# 119-hr-5608: To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.

119-hr-5608, To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products., is a 119th Congress bill sponsored by Rep. Steube, W. Gregory [R-FL-17] (R-FL); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-5608
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-5608
- Congress: 119
- Title: To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.
- Status: introduced
- Introduced: 2025-09-26
- Sponsor: Rep. Steube, W. Gregory [R-FL-17] (R-FL)
- Cosponsors: 2
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## 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. - 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.

## Cosponsors (2)

- Rep. Patronis, Jimmy [R-FL-1] (R-FL), 2025-09-26T00:00:00.000Z
- Rep. Ezell, Mike [R-MS-4] (R-MS), 2025-09-26T00:00:00.000Z

## Provisions PRIA read

- Homeowners get more flood insurance choices: benefit, medium. 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.…

## Related bills

- 119-hr-4275: Coast Guard Authorization Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-9298: Stopping Harmful and Outrageous Torts Act
- 119-hr-2395: SHORT Act
- 119-hr-1181: Protecting Privacy in Purchases Act

## Sources
- [119-hr-5608 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/5608)

## Related
- [119-hr-4275: Coast Guard Authorization Act of 2025](https://policyrisk.com/legislation/119-hr-4275)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-9298: Stopping Harmful and Outrageous Torts Act](https://policyrisk.com/legislation/119-hr-9298)
- [119-hr-2395: SHORT Act](https://policyrisk.com/legislation/119-hr-2395)
- [119-hr-1181: Protecting Privacy in Purchases Act](https://policyrisk.com/legislation/119-hr-1181)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-5608 (as of 2026-04-21).