Write-Your-Own Program (WYO)
The Write-Your-Own Program, available under the National Flood Insurance Program (NFIP), allows participating insurers to issue NFIP flood insurance policies, in contrast to policies issued directly by the NFIP.
Additional Information
WYO insurers write the coverage on their own "paper," but the NFIP reinsures 100 percent of the coverage. Regardless of whether the NFIP or a WYO insurer issues the policy, the coverage provided is identical. WYO insurers employ exactly the same policy terms that are included in policies issued directly by the NFIP. The majority of flood insurance policies are written via the WYO program.
