The Write-Your-Own (WYO) program is a program available through the National Flood Insurance Program (NFIP) that allows participating insurers to issue NFIP flood insurance policies, as opposed to policies issued directly by the NFIP. WYO insurers write coverage on their own paper, but NFIP reinsures 100 percent of the coverage. Whether the policy is issued by an NFIP or WYO insurer, the coverage provided is identical. WYO insurers use exactly the same policy terms that are included in policies issued directly by NFIP. Most flood insurance policies are issued under the WYO program.