The Maryland flood insurance program is administered through which arrangement?

• A. The National Flood Insurance Program
• B. The Write Your Own program
• C. Private flood insurance market
• D. Federal Flood Insurance Partnership

Answer: (B)

Flood insurance in Maryland is provided through the National Flood Insurance Program, but the actual administration is carried out by private insurers under the Write Your Own arrangement. In this setup, private companies issue NFIP flood policies, collect premiums, service the policies, and handle claims on behalf of the federal program, and they’re reimbursed by the government for the policies they write. This arrangement lets the federal government deliver NFIP coverage nationwide while leveraging private-sector distribution and claims handling. The other options don’t describe how NFIP flood coverage is administered.