FEMA administers the National Flood Insurance Program (NFIP), which includes Mapping, Mitigation/Compliance, and Insurance. However, FEMA does not write or service flood insurance policies. Private companies partner with FEMA in the Write Your Own (WRO) Program. There are over 80 different companies that write flood insurance under their own name. There is also a contractor called NFIP Direct that acts as FEMA’s subcontractor so they are authorized to include FEMA’s logo on their policies. Only an agent or insurance company licensed to sell property & casualty insurance in Illinois may quote and write a flood insurance policy in Illinois. The list of companies is at https://www.fema.gov/wyo_company. Generally, it is recommended that homeowners start with the company that provides their homeowners insurance to see if they may also write a flood insurance policy.
Questions about the maps, comments, and appeals to FEMA may be directed to the Private Engineering Services Division at PES@villageoflombard.org or 630-620-5972.