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  "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6276.jsonld",
  "@type": "schema:Dataset",
  "name": "Wright National Flood Insurance Company — FEMA WYO Flood Carrier (NFIP node 6276)",
  "description": "FEMA Write-Your-Own (WYO) National Flood Insurance Program carrier: Wright National Flood Insurance Company (NFIP node 6276). Service area: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY. Contact: Tara Horton, VP & PFC. All fields RECORDED verbatim from FEMA WYO carrier directory. Not a financial rating. CC0.",
  "license": "https://creativecommons.org/publicdomain/zero/1.0/",
  "isAccessibleForFree": true,
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  "isBasedOn": {
    "@type": "Dataset",
    "name": "FEMA Write-Your-Own (WYO) Carrier Directory",
    "url": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program",
    "creator": {
      "@type": "Organization",
      "name": "Federal Emergency Management Agency (FEMA)"
    }
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  "about": {
    "@type": "schema:Organization",
    "name": "Wright National Flood Insurance Company",
    "identifier": "6276"
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  "claims": [
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6276/wyo-carrier",
      "@type": "schema:Claim",
      "name": "Wright National Flood Insurance Company is a FEMA Write-Your-Own (WYO) flood insurance carrier (NFIP node 6276)",
      "text": "FEMA's WYO carrier directory lists Wright National Flood Insurance Company as an authorized Write-Your-Own carrier under the National Flood Insurance Program (NFIP), with node ID 6276. WYO carriers sell and service NFIP flood insurance policies under their own brand but backed by the federal government.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
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        "supported": true,
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        "source": "FEMA WYO carrier directory",
        "sourceUrl": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program",
        "value": "NFIP node 6276",
        "adjudicator": {
          "name": "FEMA WYO carrier directory",
          "url": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6276/contact",
      "@type": "schema:Claim",
      "name": "Wright National Flood Insurance Company WYO flood contact: Tara Horton, VP & PFC",
      "text": "FEMA lists Tara Horton (VP & PFC) as the WYO program contact for Wright National Flood Insurance Company. Contact details: (727) 568-7668, tara.horton@weareflood.com.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "FEMA WYO carrier directory",
        "sourceUrl": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program",
        "value": "Tara Horton, VP & PFC",
        "adjudicator": {
          "name": "FEMA WYO carrier directory",
          "url": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6276/service-states",
      "@type": "schema:Claim",
      "name": "Wright National Flood Insurance Company NFIP service area: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY",
      "text": "FEMA's WYO directory records AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY as the service state(s) for Wright National Flood Insurance Company's WYO flood insurance program. Verify current availability in your state at FloodSmart.gov or through a licensed agent.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
        "groundingType": "SourceCitation",
        "source": "FEMA WYO carrier directory",
        "sourceUrl": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program",
        "value": "AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY",
        "adjudicator": {
          "name": "FEMA WYO carrier directory",
          "url": "https://www.fema.gov/flood-insurance/work-with-nfip/wyo-program"
        }
      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from FEMA WYO carrier directory; superseded when FEMA WYO carrier directory publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/flood-carriers/6276/boundary",
      "@type": "schema:Claim",
      "name": "What this FEMA WYO carrier record is — and is NOT",
      "text": "This is a verbatim contact record from FEMA's WYO carrier directory. It confirms that Wright National Flood Insurance Company is authorized to sell NFIP flood insurance policies through the Write-Your-Own program. It is NOT a financial strength rating, a claims history, a price quote, or a guarantee of availability in every ZIP code. For NFIP coverage, contact the carrier directly or a licensed flood insurance agent.",
      "claimType": "interpretation",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "Interpretation",
        "source": "Coverage Atlas L5 boundary (WYO directory ≠ financial rating or quote)",
        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/",
        "value": "FEMA WYO directory listing — not a financial rating or coverage quote",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a framing, not an event) and adjudged=FALSE (an in-house reading, not an authority's verdict) — the LOWEST-warrant claim here. A flat representation would render this identically to the official facts; the four-status does not."
    }
  ],
  "hasPart": [
    {
      "@type": "schema:ItemList",
      "name": "Wright National Flood Insurance Company — FEMA WYO carrier directory",
      "numberOfItems": 9,
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            "Field": "Company name",
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            "Warrant": "RECORDED"
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            "Field": "Contact name",
            "Value": "Tara Horton",
            "Warrant": "RECORDED"
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          "item": {
            "Field": "Contact title",
            "Value": "VP & PFC",
            "Warrant": "RECORDED"
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          "item": {
            "Field": "Phone",
            "Value": "(727) 568-7668",
            "Warrant": "RECORDED"
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          "item": {
            "Field": "Email",
            "Value": "tara.horton@weareflood.com",
            "Warrant": "RECORDED"
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        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "Field": "Website",
            "Value": "http://www.wrightflood.com/",
            "Warrant": "RECORDED"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "Field": "Subsidiaries",
            "Value": "—",
            "Warrant": "RECORDED"
          }
        },
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          "item": {
            "Field": "Service states",
            "Value": "AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY",
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