What is the National Flood Insurance Program's (NFIP) Write Your Own (WYO) Program?
The Write Your Own (WYO) Program, begun in 1983, is a cooperative undertaking of the insurance industry and the Federal Insurance and Mitigation Administration (FIMA). The WYO Program allows participating property and casualty insurance companies to write and service the Standard Flood Insurance Policy in their own names.


The companies receive an expense allowance for policies written and claims processed while the federal government retains responsibility for underwriting losses. The WYO Program operates within the context of the National Flood Insurance Program's (NFIP), and is subject to its rules and regulations.


The goals of the WYO Program are:

  • Improve service to NFIP policyholders through the infusion of insurance industry knowledge

  • Increase the NFIP policy base and the geographic distribution of policies

  • Provide the insurance industry with direct operating experience with flood insurance


As of October 2000, more than 100 insurance companies had signed arrangements with FIMA to sell and service flood insurance under their names.

Show All Answers

1. What happens when a community does not enforce its floodplain management ordinance?
2. What is probation?
3. When can a community be placed on probation?
4. How long will probation last?
5. What penalties are imposed when a community is placed on probation?
6. What is suspension?
7. What happens if a community does not participate in the National Flood Insurance Program (NFIP)?
8. Explain the discounts on premiums for the Community Rating System (CRS) for communities that go beyond the minimum requirements to participate in the National Flood Insurance Program (NFIP).
9. What procedures must be followed for a community to participate in the Community Rating System (CRS)?
10. How can a community acquire the CRS Coordinator's Manual and other information describing the program?
11. What is the National Flood Insurance Program (NFIP)?
12. Why was the National Flood Insurance Program established by Congress?
13. How was the National Flood Insurance Program (NFIP) established and who administers it?
14. What is the National Flood Insurance Program's (NFIP) Write Your Own (WYO) Program?
15. Do the state insurance regulators have any jurisdiction over the National Flood Insurance Program in their respective states?
16. How does the National Flood Insurance Program (NFIP) benefit property owners, taxpayers, and communities?
17. What is the definition of a community?
18. Why is participation in the National Flood Insurance Program (NFIP) on a community basis rather than on an individual basis?
19. Is community participation mandatory?
20. What is the National Flood Insurance Program's Emergency Program?
21. What is the National Flood Insurance Program's (NFIP) Regular Program?