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

HR 5608 removes a restriction preventing private insurance companies participating in the "Write Your Own" program from selling competing private flood insurance policies alongside National Flood Insurance Program (NFIP) products. The bill amends federal law to prohibit the FEMA Administrator from requiring these companies to agree not to offer private flood insurance as a condition of participating in the NFIP program. This change directly affects private insurers currently in the Write Your Own program, allowing them to sell both NFIP-backed and standalone private flood insurance without contractual restrictions. The key provision eliminates non-compete clauses in agreements between FEMA and these insurers, enabling greater market competition for flood insurance products.