Bills · HR 5608
IN COMMITTEE· 119TH CONGRESS
House BillHR 5608Finance and Financial Sector
To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.
INTRO SEP 26· LAST ACTION SEP 26
READING
2MIN
COSPONSORS
2
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenVoters should care about this bill because it aims to increase competition in the flood insurance market. If more private insurance options become available through companies already familiar with the flood insurance landscape, it could lead to more tailored coverage options, potentially lower premiums for some, and better service as companies compete for customers. Currently, many areas rely heavily on the government-backed NFIP, which has faced financial challenges and may not always offer the most flexible or affordable options.
If this bill becomes law, homeowners and businesses could have more choices beyond the NFIP. If it doesn't pass, WYO companies might continue to face restrictions on offering private flood insurance, potentially limiting consumer choice and competition in the market. The availability of more private options could also help reduce the financial strain on the NFIP by encouraging some policyholders to move to private plans.
KEY PROVISIONS
3AI-extractedPROVISION 01
Prohibits FEMA from requiring WYO companies to agree not to sell private flood insurance as a condition of participating in the NFIP.
This provision directly removes a potential barrier that prevents WYO companies from offering both government-backed and private flood insurance options.
PROVISION 02
Specifies that any new agreements with WYO companies after the bill's enactment cannot include such a non-compete clause.
This ensures the change is permanent for future contracts and prevents FEMA from reimposing the restriction.
PROVISION 03
Defines "Write Your Own Program" to clarify which entities and activities are covered by this prohibition.
This helps ensure clarity and proper application of the new rule to the intended insurance companies.
SPONSORSHIP
1 + 2
R· Florida
YRS IN OFFICE
7
BILLS LED
115
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 0 REP 2 IND 0
ACTION TIMELINE
2 EVENTSSEP 26
Introduced in House
SEP 26
Referred to the House Committee on Financial Services.
BILL INFO
TypeHouse Bill
NumberHR 5608
Congress119th
StatusIn Committee
IntroducedSep 26, 2025
Last actionSep 26, 2025
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IN COMMITTEE· 119TH CONGRESS · FINANCIAL SERVICES COMMITTEE · INTRODUCED SEP 26, 2025
House BillHR 5608Finance and Financial Sector
To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.
INTRODUCED SEP 26, 2025· LAST ACTION SEP 26, 2025
PASSAGE CHANCES
—%
READING
2 min
COSPONSORS
2
COMPLEXITY
Moderate
