Since 2004, the Federal Emergency Management Agency (FEMA) has paid Write-Your-Own (WYO) program insurance companies (WYOs) $2.3 billion annually, of which the WYOs have been allowed to retain around $1 billion per year. WYO was implemented to support the National Flood Insurance Program’s (NFIP’s) goals of increasing flood insurance market penetration in low-risk flood zones, among homeowners without federally-related mortgages in all zones, and in geographic areas with repetitive flood damage and low penetration rates. The large percentage of FEMA payments retained by the WYOs prompted the Government Accountability Office’s (GAO’s) audit of WYO. GAO released a critical report in August concerning their analysis of the WYO program during the years 2005-2007. This report lays out three problems GAO found with the WYO program, four recommendations from GAO to FEMA, possible alternatives to the WYO program, and the Department of Homeland Security’s (DHS’) response to the critique of WYO and FEMA.