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 prohibits the Federal Emergency Management Agency (FEMA) from requiring private insurance companies participating in the "Write Your Own" program to agree not to sell competing private flood insurance. It directly affects private insurers that currently sell flood insurance under the National Flood Insurance Program (NFIP) by removing restrictions that previously blocked them from offering standalone private flood coverage. The key provision amends federal law to ban non-compete clauses in agreements with these companies, ensuring they can sell private flood insurance products alongside NFIP offerings. This change allows private insurers greater flexibility to compete in the flood insurance market without being forced to limit their product choices. The bill focuses on clarifying program rules, not altering insurance rates or coverage requirements.