Skip to Content


National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers

Document Details

Information about this document as published in the Federal Register.

Published Document

This document has been published in the Federal Register. Use the PDF linked in the document sidebar for the official electronic format.

Start Preamble


Federal Emergency Management Agency (FEMA), Emergency Preparedness and Response Directorate, Department of Homeland Security.




Each year FEMA is required by the Write-Your-Own (“WYO”) program Financial Assistance/Subsidy Arrangement (“Arrangement”) to notify the private insurance companies (“Companies”) and make available to the Companies the terms for subscription or re-subscription to the Arrangement. In keeping with that requirement, this notice provides the terms to the Companies to subscribe or re-subscribe to the Arrangement.

Start Further Info


Edward L. Connor, FEMA, 500 C Street, SW., Washington, DC 20472, 202-646-3429 (Phone), 202-646-3445 (facsimile), or (e-mail).

End Further Info End Preamble Start Supplemental Information


Under the Arrangement, approximately 95 private sector property insurers issue flood insurance policies and adjust flood insurance claims under their own names based on the Arrangement with the Federal Insurance Administration (FIA) (44 CFR part 62, appendix A). The WYO insurers receive an expense allowance and remit the remaining premium to the Federal Government. The Federal Government pays WYO insurers for flood losses and pays loss adjustment expenses based on a fee schedule. Litigation costs, including court costs, attorney fees, judgments, and settlements, are paid by FIA based on submitted documentation. The Arrangement provides that under certain circumstances reimbursement for litigation costs will not be made. The complete Arrangement is published in 44 CFR part 62, appendix A.

Each year FEMA is required to publish in the Federal Register and make available to the Companies the terms for subscription or re-subscription to the Financial Assistance/Subsidy Arrangement. During the 2004-2005 Arrangement year FEMA published (69 FR 45608, Jul. 30, 2004) an interim final rule which made changes to the Arrangement. No changes have been made to the Arrangement since the publication of the interim final rule.

During September 2005, FEMA will send a copy of the offer for the 2005-2006 Arrangement year, together with related materials and submission instructions, to all private insurance companies participating under the current 2004-2005 Arrangement. Any private insurance company not currently participating in the WYO Program but wishing to consider FEMA's offer for 2005-2006 may request a copy by writing: Federal Emergency Management Agency, Mitigation Division, Attn: WYO Program, 500 C Street, SW., Washington, DC 20472, or contact Edward Connor 202-646-3445 (facsimile), or (e-mail).

Start Signature

R. David Paulison,

Acting Under Secretary, Emergency Preparedness and Response, Department of Homeland Security.

End Signature End Supplemental Information

[FR Doc. 05-19072 Filed 9-22-05; 8:45 am]