This bill would make it clear that insurance companies in the federal “Write Your Own” flood program can also sell their own private flood insurance. It says the FEMA Administrator cannot force companies, agents, or adjusters to sign “no‑competition” rules as a condition to take part in the federal program. In short, companies that help run the federal flood program could also offer private policies to customers, giving people more choices for flood coverage .

The bill also defines the “Write Your Own” program as the setup where FEMA works with private insurers to sell and service federal flood policies. It bars FEMA from putting any new non‑compete terms into these agreements after the bill becomes law .

• Who is affected | Private insurers, agents, and adjusters that participate in FEMA’s Write Your Own flood program; people shopping for flood insurance
• What changes | FEMA cannot require non‑compete rules that block these companies from selling private flood insurance; agreements can’t include those limits going forward
• When | The ban on non‑compete terms applies to agreements made after the law takes effect