# 2025-00511: Government Pays Private Companies to Sell Government Insurance 2025-00511, National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Notice of FY 2026 Arrangement, is a Federal Register notice from an unnamed agency published 2025-01-15, effective 2025-10-01; PRIA reads it as touching household money (as of 2026-06-08). - Canonical: https://policyrisk.com/federal-register/2025-00511 - As of: 2026-06-08 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Document number: 2025-00511 - Title: National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Notice of FY 2026 Arrangement - Type: Notice - Agencies: unknown - Citation: unknown - Published: 2025-01-15 - Effective: 2025-10-01 - Comments close: not stated - Significant: no - Touches household money: yes - Regulation identifier numbers: none - Last updated: 2026-06-08 ## In one line Government Pays Private Companies to Sell Government Insurance ## Summary FEMA is inviting private insurance companies to join the National Flood Insurance Program’s Write Your Own (WYO) Program for Fiscal Year 2026. Insurers who want to participate must let FEMA know by May 15, 2025. This program helps companies sell and manage flood insurance policies, keeping flood protection strong and available for communities. ## Abstract The Federal Emergency Management Agency announces the Fiscal Year 2026 Financial Assistance/Subsidy Arrangement for private property insurers interested in participating in the National Flood Insurance Program's Write Your Own Program. ## Effects PRIA read - Insurers: Sign up by May 15, 2025: benefit, medium. FEMA is inviting private insurance companies to apply to participate in the NFIP Write Your Own (WYO) Program for Fiscal Year 2026. Interested insurers must submit their intent to subscribe or re-subscribe by May 15, 2025. - Arrangement Effective Oct 1, 2025–Sep 30, 2026: mixed, low. The FY2026 Arrangement is effective October 1, 2025 through at least September 30, 2026; FEMA will provide financial assistance only for policy applications, renewals, and endorsements accepted by the Company during that period. FEMA will publish the FY2027 Arrangement no later than April 1, 2026,… - Companies Keep 15% Commission Allowance: benefit, medium. Under the FY2026 Arrangement, a WYO Company may retain fifteen percent (15%) of the Company's written premium on NFIP policies as the commission allowance to meet commissions or salaries of insurance agents, brokers, or other producers. - Growth Bonus Cap of 2% of Premiums: benefit, low. FEMA may increase a Company's expense allowance as a Growth and Retention Bonus for meeting marketing goals, but total growth and retention bonuses paid to companies may not exceed two percent (2%) of the aggregate net written premium collected by all WYO companies for the Arrangement year. - Claims and Service Time Standards Set: benefit, medium. The Arrangement sets time standards companies must meet, including application processing in fifteen (15) business days, renewal processing in seven (7) business days, endorsement and cancellation processing in fifteen (15) business days, and average claims adjustment in forty-five (45) calendar da… - Monthly Payment Option May Be Required: benefit, medium. During the term of the FY2026 Arrangement, FEMA may require WYO Companies to offer a monthly premium installment payment option to policyholders. - Reimbursement for Loss Adjustment Expenses: benefit, medium. FEMA will reimburse unallocated loss adjustment expenses according to a ULAE Schedule and allocated loss adjustment expenses according to a Fee Schedule coordinated with the Company; FEMA may temporarily authorize increased Fee Schedule amounts during a defined catastrophic event timeframe. - Cybersecurity Standards Required for Systems: benefit, low. Companies must implement NIST SP 800-171 Revision 3 (Protecting Controlled Unclassified Information), Revision 3 (May 2024), for systems that process NFIP-protected information, validated by a third-party assessment organization; companies may use specified alternative standards (e.g., ISO/IEC 2700… - Companies Liable for Operating Expenses: cost, medium. The Company is liable for operating, administrative, and production expenses (including State premium taxes and agents' and brokers' commissions) incurred under this Arrangement, though FEMA will reimburse certain loss adjustment expenses under separate provisions. - FEMA May Cancel with 30-Day Notice: cost, medium. FEMA may cancel financial assistance and the Arrangement with thirty (30) calendar days' written notice for reasons including fraud, nonpayment to FEMA, material failure to comply, or failure to meet 44 CFR 62.24 participation criteria; FEMA may require transfer of administrative responsibilities a… ## Related documents - [2026-20724](https://policyrisk.com/federal-register/2026-20724): Notice of Intent To Prepare a Supplemental Environmental Impact Statement for the Sentinel Deployment and Minuteman III Decommissioning and…, 2026-10-09 - [2026-20771](https://policyrisk.com/federal-register/2026-20771): Center for Scientific Review; Notice of Closed Meetings, 2026-10-09 - [2026-20708](https://policyrisk.com/federal-register/2026-20708): Self-Regulatory Organizations; Investors Exchange LLC; Notice of Filing and Immediate Effectiveness of Proposed Rule Change Pursuant to IEX…, 2026-10-09 - [2026-20710](https://policyrisk.com/federal-register/2026-20710): Self-Regulatory Organizations; Investors Exchange LLC; Notice of Filing and Immediate Effectiveness of Proposed Rule Change Pursuant to IEX…, 2026-10-09 - [2026-20779](https://policyrisk.com/federal-register/2026-20779): Passenger Vehicle and Light Truck Tires From Thailand: Preliminary Results and Rescission, in Part, of Antidumping Duty Administrative Revi…, 2026-10-09 - [2026-20763](https://policyrisk.com/federal-register/2026-20763): National Environmental Policy Act Implementing Procedures: Wintertime Oil and Gas Exploration in the National Petroleum Reserve in Alaska C…, 2026-10-09 ## Sources - [2025-00511 on federalregister.gov](https://www.federalregister.gov/documents/2025/01/15/2025-00511/national-flood-insurance-program-nfip-assistance-to-private-sector-property-insurers-notice-of-fy) - [2025-00511 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2025-01-15/pdf/2025-00511.pdf) ## Related - [Previous: 2025-00452, Notice of Adoption of Categorical Exclusions Under Section 109 of the National…](https://policyrisk.com/federal-register/2025-00452) - [Next: 2025-00584, Privacy Act of 1974; System of Records](https://policyrisk.com/federal-register/2025-00584) - [All Federal Register documents](https://policyrisk.com/federal-register) Source: PRIA, https://policyrisk.com/federal-register/2025-00511 (as of 2026-06-08).