FEMA WYO Flood Insurance Carriers
Write-Your-Own National Flood Insurance Program carriers
48 authorized WYO carriers · RECORDED verbatim from FEMA · CC0
All WYO carriers — alphabetical
All fields RECORDED verbatim from FEMA's WYO carrier directory. WYO carriers sell NFIP flood policies under their own brand, federally backed. Click any carrier for the full profile with contact details, subsidiaries, and service states.
About FEMA WYO carriers
Write-Your-Own (WYO) carriers are private insurance companies authorized by FEMA to sell and administer National Flood Insurance Program (NFIP) policies. Policies are federally backed — the carrier handles service and claims, but the federal government bears the insurance risk. WYO participation can change; verify current availability at FloodSmart.gov .
All data is RECORDED (verbatim from FEMA's directory). This is NOT a financial rating, claims study, or price comparison. For flood insurance quotes, contact a licensed flood agent.
Source: FEMA WYO carrier directory (fema.gov/flood-insurance/work-with-nfip/wyo-program). CC0.