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What is NFIP's Write-Your-Own Program?

April 7th, 2022 | 2 min read

By Chris Greene

What is NFIP's Write-Your-Own WYO Program?

So you want to buy a flood insurance policy from the Federal Emergency Management Agency (FEMA). Well, you won't have to worry about how to get a policy directly from FEMA because there is the Write-Your-Own (WYO) Program.

What is NFIP's Write-Your-Own (WYO) Program?

In this article, we talk about everything you need to know about WYO policies and why the Write-Your-Own Policy helps make the process of getting flood insurance coverage from FEMA and the National Flood Insurance Program (NFIP) easier.

Write-Your-Own Policy

When looking at flood insurance options, you'd be remiss to think that the NFIP and Private Flood Insurance are two separate worlds that can never meet.

This is far from the truth as FEMA and the NFIP actually built a cooperative in 1983 as a form of partnership with the private flood insurance industry. This is called the Write-Your-Own (WYO) Program.

This created a system wherein you don't need to bother and go through all the hassle of getting a flood policy from FEMA.

What is NFIP's Write-Your-Own Program?

Generally, the Write-Your-Own (WYO) Program helps you find an alternative way to process your NFIP policy through other insurance companies. At the time of writing, FEMA reports that there are at least 50 participating insurers or carriers.

If you want to see what insurance companies are participating in the WYO program, CLICK HERE to go to FEMA's official list.

What's The Difference?

Now, you might be starting to wonder: what's the difference then?

When it comes to the Write-Your-Own, it basically allows other insurance companies outside of FEMA and the NFIP to provide insurance support for operations and everything needed to write an NFIP policy. This makes it easier and quicker to understand your flood risks, especially with the updated Risk Rating 2.0.

What is NFIP's Write-Your-Own Program?

The insurance companies participating in the WYO are allowed to both process the writing of your flood policy, managing of the documents, and use their resource to help you get your flood insurance easier.

The same also applies when you file a flood claim where you will see the participating company to help you get your flood insurance claim get processed.

It's important to note, however, that policies that are written under the WYO still follow FEMA and NFIP's coverage and rates. This should be your heads up especially considering that all federal flood insurance policies are now officially following the new Risk Rating 2.0 program.

What is NFIP's Write-Your-Own Program?

Generally, this means that you will still see a $250,000 limit for building coverage for residential properties or up to $500,000 max for commercial properties with a $100,000 contents coverage.

Getting a WYO policy also means that floodplain management regulations (i.e. flood insurance rate map) set by the federal government will be strictly in place and participating companies are expected to follow it.

Want To Learn More?

If you want to know more about the benefits and differences between the Write-Your-Own Program and NFIP Direct, listen to our podcast below or read our blog post on Write-Your-Own and NFIP Direct:


If you still have questions on flood insurance, click below to go to our Flood Learning Center. You could also contact us so we can discuss your flood insurance needs.

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Chris Greene