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

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 5608 Introduced in House (IH)] <DOC> 119th CONGRESS 1st Session H. R. 5608 To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES September 26, 2025 Mr. Steube (for himself, Mr. Patronis, and Mr. Ezell) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. PROHIBITION ON NON-COMPETE REQUIREMENT FOR WRITE YOUR OWN COMPANIES UNDER THE NATIONAL FLOOD INSURANCE PROGRAM. Section 1345 of the National Flood Insurance Act of 1968 (42 U.S.C. 4081) is amended by adding at the end the following: ``(f) Authority To Provide Other Flood Coverage.-- ``(1) Write your own program defined.--In this subsection, the term `Write Your Own Program' means the program under which the Federal Emergency Management Agency enters into a standard arrangement with private property insurance companies to-- ``(A) sell contracts for flood insurance coverage under this title under their own business lines of insurance; and ``(B) adjust and pay claims arising under the contracts described in subparagraph (A). ``(2) Prohibition on non-compete clause.--The Administrator may not, as a condition of participating in the Write Your Own Program or in otherwise participating in the utilization by the Administrator of the facilities and services of insurance companies, insurers, insurance agents and brokers, and insurance adjustment organizations pursuant to the