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 what the legislation does, 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.
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.
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Officially: 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.
Use this page to support, oppose, or ask Congress to amend S2053. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Banking
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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The debate
Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Latest: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (6/12/2025)
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your senators when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to A bill to ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products., then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around S2053, your stance, and the reasons you choose, then lets you edit and send when ready.
