; (3) an assessment of the effects on the National Flood Insurance Program of covering earth movement and subsidence caused by flooding; and (4) a projection of the increased premiums that would be required to make coverage for earth movement losses actuarially sound and not fiscally detrimental to the continuation of the National Flood Insurance Program. Not later than the expiration of the 18-month period beginning on the date of the enactment of this Act, the Comptroller General shall submit a report to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate regarding the findings and conclusions of the study conducted pursuant to this section. 18. Definitions (a) National Flood Insurance Act of 1968 Subsection (a) of section 1370 of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4121(a) ) is amended— (1) in paragraph (14), by striking and at the end; (2) in paragraph (15), by striking the period at the end and inserting a semicolon; and (3) by adding at the end the following new paragraphs: (16) the term Write Your Own Program means the program under which the Federal Emergency Management Agency enters into a standard arrangement with private property insurance companies to sell contracts for flood insurance coverage under this title under their own business lines of insurance, and to adjust and pay claims arising under such contracts; and (17) the term Write Your Own company means a private property insurance company that participates in the Write Your Own Program. . (b) Biggert-Waters Flood Insurance Reform Act of 2012 Subsection (a) of section 100202 of the Biggert-Waters Flood Insurance Reform Act of 2012 ( 42 U.S.C. 4004(a) ) is amended by striking paragraph (5) and inserting the following new paragraph: (5) Write Your Own The terms Write Your Own Program and Write Your Own company have the meanings given such terms in section 1370(a) of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4121(a) ). .