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

This bill (S 2109) removes restrictions that previously prevented private insurance companies participating in FEMA's "Write Your Own" program from selling competing private flood insurance. It prohibits FEMA from requiring these companies to sign non-compete agreements that would block them from offering private flood insurance products alongside the government's National Flood Insurance Program (NFIP). The key change amends federal law to ensure Write Your Own insurers can freely sell both public NFIP policies and private flood insurance without restrictions. This directly affects private insurers participating in the Write Your Own program, allowing them to expand their flood insurance offerings.