# 119-s-2053: A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.

119-s-2053, A bill 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 Sen. Scott, Rick [R-FL] (R-FL); status introduced; PRIA reads it as touching household money (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-s-2053
- As of: 2025-12-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2053
- Congress: 119
- Title: A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.
- Status: introduced
- Introduced: 2025-06-12
- Sponsor: Sen. Scott, Rick [R-FL] (R-FL)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2025-12-21

## 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. - 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.

## Provisions PRIA read

- More private flood options for homeowners: benefit, low. 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…

## Related bills

- 119-s-2120: Older Americans Act Reauthorization Act of 2025
- 119-s-1541: SHIPS for America Act of 2025
- 119-s-1748: Kids Online Safety Act
- 119-s-4782: ReportScams.gov Act
- 119-s-4280: SAFE Act
- 119-s-690: Overdose RADAR Act

## Sources
- [119-s-2053 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2053)

## Related
- [119-s-2120: Older Americans Act Reauthorization Act of 2025](https://policyrisk.com/legislation/119-s-2120)
- [119-s-1541: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-s-1541)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-4782: ReportScams.gov Act](https://policyrisk.com/legislation/119-s-4782)
- [119-s-4280: SAFE Act](https://policyrisk.com/legislation/119-s-4280)
- [119-s-690: Overdose RADAR Act](https://policyrisk.com/legislation/119-s-690)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2053 (as of 2025-12-21).