Write Your Own (WYO) Program

The Write Your Own (WYO) Program is a partnership where insurance companies sell federal flood insurance policies directly to property owners. These companies handle the marketing, underwriting, and servicing of the policies, but the insurance is backed and funded by the federal government through the National Flood Insurance Program (NFIP). Essentially, WYO companies act as intermediaries, making flood insurance available to consumers while the government manages the financial backing. This collaboration helps streamline access to flood coverage, often providing more options and localized support for policyholders.