Write Your Own (WYO) Flood Insurance Company List
The Write Your Own (WYO) Program began in 1983 and is a cooperative undertaking of the insurance industry and FEMA. The WYO Program allows participating property and casualty insurance companies to write and service the Standard Flood Insurance Policy in their own names. The companies receive an expense allowance for policies written and claims processed while the Federal Government retains responsibility for underwriting losses. The WYO Program operates as part of the National Flood Insurance Program, and is subject to its rules and regulations. Visit this FEMA website for a list of property and casualty insurance companies that can write and service the NFIP Standard Flood Insurance Policy (SFIP).
Preferred Risk Policy (FEMA)
A lower-cost Standard Flood Insurance Policy (SFIP) written under the Dwelling Form or General Property Form. It offers fixed combinations of building/contents coverage limits or contents-only coverage.
Do You Have a Preferred Risk Policy (PRP)? All Preferred Risk Policy customers are transitioning to the National Flood Insurance Program’s (NFIP’s) new pricing methodology, Risk Rating 2.0: Equity in Action, and are now able to personalize their flood insurance coverage.
Visit fema.gov/flood-insurance/risk-rating or contact your flood insurance provider to learn how this new pricing system works.
Buying Flood Insurance (FEMA)
Protect Yourself with Flood Insurance. Just a few inches of water from a flood can cause tens of thousands of dollars in damage. Flood insurance is the best way to protect yourself from devastating financial loss. Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers, and the property's flood risk. All policy forms provide coverage for buildings and contents. However, you might want to discuss insuring personal property with your agent, since contents coverage is optional. Typically, there's a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance. Find a provider from FEMA's online directory.
Unincorporated Orange County participates in FEMA's Community Rating System (CRS) and currently has a CRS rating of 5; this means the insurance policy premium in the SFHA has a 25% discount and non-SFHA has a 10% discount, discounts exclude Preferred Risk Policies because it’s already at a lower premium than other policies.
