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

The bill would amend the National Flood Insurance Act to prohibit the Federal Emergency Management Agency from requiring Write Your Own companies—private insurers that sell flood insurance under the NFIP—as a condition of participation, to refrain from offering or selling competing private flood insurance products. It specifically bars the inclusion of non-compete clauses in agreements with these companies that would restrict their ability to sell private flood insurance outside the NFIP. The change aims to allow Write Your Own insurers to compete more freely in the private flood insurance market while still participating in the federal program.