Federal RuleAug 21
62
DOL Rewrites Disability Rules for 'Merit-Based Opportunity' Push
RuleLabor DepartmentFederal Contract Compliance Programs OfficeSignificant Wallet
119-hr-5608119th CongressWALLET
To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.
Sponsored By: Representative Steube, W. Gregory [R-FL-17]
Introduced
Summary
Prevents FEMA from restricting private flood insurance sales by Write Your Own program participants. It would add a new subsection (f) to Section 1345 of the National Flood Insurance Act to bar non-compete clauses in Write Your Own arrangements and to stop inserting those restrictions into any future WYO agreements.
Show full summary
- Private insurers, agents, brokers, and adjusters would be free to sell private flood insurance while participating in the Write Your Own Program, keeping both business lines available.
- Homeowners and property owners could see more private flood insurance choices and potentially more competition where insurers participate in WYO.
- The Federal Emergency Management Agency and the National Flood Insurance Program would be limited in using contract terms to restrict participants from offering private flood coverage.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Homeowners get more flood insurance choices
This bill would stop FEMA from using non-compete rules in its Write Your Own flood insurance program. Insurers, agents, and brokers in that program would still be able to offer and sell private flood insurance. If enacted, this could give homeowners more choices and competition for flood coverage. The bill also defines the Write Your Own program: private insurers sell NFIP policies and adjust and pay claims. These limits would apply to new agreements after enactment.
Sponsors & CoSponsors
Sponsor
Steube, W. Gregory [R-FL-17]
FL • R
Cosponsors
Rep. Patronis, Jimmy [R-FL-1]
FL • R
Sponsored 9/26/2025
Rep. Ezell, Mike [R-MS-4]
MS • R
Sponsored 9/26/2025
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov