Contact Congress about S. 2053: A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.

Companies that sell federal flood insurance would no longer be restricted from also selling competing private flood policies. The bill bans FEMA from putting non-compete rules in future contracts with these insurers and their agents.

Modern Action explains legislation in plain English, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.

A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products. is a Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Latest action on S. 2053: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Who this affects: This bill directly affects insurance companies, agents, and brokers who participate in FEMA's federal flood insurance program. It also affects homeowners and businesses in flood-prone areas who buy flood insurance, because they may see more policy options. FEMA itself would lose a contracting tool it currently uses to manage its insurance partnerships.

Why this matters: Flood insurance is a critical financial protection for millions of Americans living in flood-prone areas, and the federal program is the dominant provider. This bill could reshape the flood insurance market by opening up competition between federal and private policies. More options could benefit consumers, but the shift could also weaken the federal program's finances if it loses its lower-risk customers to private competitors.

Key provisions in S. 2053

• Changes Section 1345 of the National Flood Insurance Act of 1968 (42 U.S.C. 4081).
• Defines the Write Your Own Program as FEMA's arrangement where private insurance companies sell, process, and pay federal flood insurance claims under their own brand.
• Bans FEMA's Administrator from using non-compete conditions as a requirement for participating in the Write Your Own Program or other NFIP activities.
• Specifically protects the ability of insurers, agents, brokers, and claims adjustment organizations to offer and sell private flood insurance while also participating in NFIP activities.
• Prohibits FEMA from including any banned non-compete condition in future financial assistance or subsidy agreements with WYO insurers, starting from the date the new rule takes effect.

How Modern Action helps you take action on S. 2053

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about S. 2053

What is S. 2053?

Companies that sell federal flood insurance would no longer be restricted from also selling competing private flood policies. The bill bans FEMA from putting non-compete rules in future contracts with these insurers and their agents.

How do I support or oppose S. 2053?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about S. 2053?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain S. 2053 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.