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A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.
To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.
Summary
This bill would amend the National Flood Insurance Act to prohibit the Federal Emergency Management Agency from imposing non-compete restrictions on insurance companies and agents that participate in the National Flood Insurance Program's "Write Your Own" (WYO) program. The prohibition would prevent FEMA from restricting WYO participants from offering and selling private flood insurance products that compete with the National Flood Insurance Program as a condition of program participation or other NFIP activities. The restriction would apply to any agreements FEMA enters into with insurers after the bill's enactment.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
- Sen. Scott, Rick [R-FL] (R-FL)
Actions (2)
- Jun 12, 2025 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. · senate
- Jun 12, 2025 Introduced in Senate
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Full text
IN THE SENATE OF THE UNITED STATES
June 12, 2025
Mr. Scott of Florida introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs
A BILL
To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. PROHIBITION ON NON-COMPETE REQUIREMENT FOR WRITE YOUR OWN COMPANIES UNDER THE NATIONAL FLOOD INSURANCE PROGRAM.
Section 1345 of the National Flood Insurance Act of 1968 (42 U.S.C. 4081) is amended by adding at the end the following:
“(f) Authority To Provide Other Flood Coverage.—
“(1) Write your own program defined.—In this subsection, the term ‘Write Your Own Program’ means the program under which the Federal Emergency Management Agency enters into a standard arrangement with private property insurance companies to—
“(A) sell contracts for flood insurance coverage under this title under their own business lines of insurance; and
“(B) adjust and pay claims arising under the contracts described in subparagraph (A).
“(2) Prohibition on non-compete clause.—The Administrator may not, as a condition of participating in the Write Your Own Program or in otherwise participating in the utilization by the Administrator of the facilities and services of insurance companies, insurers, insurance agents and brokers, and insurance adjustment organizations pursuant to the authority in this section, nor as a condition of eligibility to engage in any other activities under the National Flood Insurance Program under this title, restrict any such company, insurer, agent, broker, or organization from offering and selling private flood insurance (as that term is defined in section 102(b) of the Flood Disaster Protection Act of 1973 (42 U.S.C. 4012a(b))).
“(3) Financial assistance/subsidy arrangement.—After the date of enactment of this subsection, the Administrator may not include in any agreement entered into with any insurer for participation in the Write Your Own Program any provision establishing a condition prohibited under paragraph (2).”. <all>
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