The WYO program allows participating property and casualty insurance companies to write and service the standard flood insurance policy in their own names. The federal government’s program, National Flood Insurance Program (NFIP) retains the responsibility for underwriting and claims. WYO is an NFIP/FEMA program. All coverages are the same and all policy wording is the same. The underwriting and rates are all dictated by NFIP. There are dozens of carriers that participate in this program. Some of the more common names are: Hartford, Allstate, Assurant, Mapfre, UPC, Farmers and several others.
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