To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.

Summary

Prohibits the FEMA Administrator from requiring insurers, agents, brokers, or adjusters who participate in the National Flood Insurance Program’s Write Your Own (WYO) program to refrain from offering or selling private flood insurance. It also bans FEMA from adding any new non‑compete clause to WYO participation agreements after enactment. The change lets insurance companies and their representatives sell private flood policies while remaining in the NFIP WYO program, with no new FEMA-imposed restriction that would prevent those private sales.

• Stops FEMA from requiring WYO program participants to refrain from selling private flood insurance.
• Prohibits FEMA from conditioning NFIP participation or use of insurers’ services on not offering private flood policies.
• Bans FEMA from adding non‑compete clauses to WYO participation agreements signed after enactment.
• Applies to insurers, agents, brokers, and adjustment organizations involved with the NFIP WYO program.
• Does not create new spending or change NFIP coverage or premium-setting authority.
• Takes effect on enactment and affects future FEMA agreements but does not explicitly void past contracts.
• May increase private flood insurance availability and competition for homeowners.
• Could raise concerns about adverse selection and impacts on the NFIP risk pool.