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119-s-2053119th CongressWALLET

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

Sponsored By: Senator Scott, Rick [R-FL]

Introduced

Summary

Would expand private flood insurance within the National Flood Insurance Program by banning non‑compete rules for insurers. It would let FEMA create a Write Your Own program so private companies could sell NFIP flood contracts under their own insurance lines and adjust and pay claims.

Show full summary
  • Families and homeowners: More private options could be available for flood coverage because private companies could sell NFIP contracts and handle claims under their own business lines.
  • Private insurers, agents, and adjusters: Could join the program and offer private flood insurance without being blocked by non‑compete conditions in FEMA agreements.
  • FEMA and the NFIP: Adds explicit authority for a Write Your Own program and bars post‑enactment agreements from including non‑compete provisions. The amendment text includes no new funding, sunset, or phase‑in terms.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

More private flood options for homeowners

This bill would bar the FEMA Administrator from requiring non-compete clauses for insurers in the NFIP Write Your Own Program. If enacted, insurers, agents, brokers, and adjusters could offer and sell private flood insurance without that restriction. This could give homeowners and renters in flood areas more choices and competition. The change would take effect upon enactment.

Sponsors & CoSponsors

Sponsor

Scott, Rick [R-FL]

FL • R

Cosponsors

There are no cosponsors for this bill.

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov
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