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TeachMeFinance.com - explain Write Your Own (WYO) Program Write Your Own (WYO) Program The term 'Write Your Own (WYO) Program' as it applies to the area of flooding can be defined as 'A cooperative undertaking of the insurance industry and FEMA begun in October 1983. The WYO Program operates within the context of the NFIP and involves private insurance carriers who issue and service NFIP policies'.
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