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119-hr-550119th Congress

Wildfire Insurance Coverage Study Act of 2025

Sponsored By: Representative Waters, Maxine [D-CA-43]

Introduced

Summary

A comprehensive federal study of wildfire insurance coverage and policy responses. This bill would require the Comptroller General to work with the Federal Insurance Office and State regulators to map risks, review insurer actions, and identify policy options to address wildfire-related insurance problems.

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  • Homeowners and small businesses: The study would analyze 10 years of rate changes, nonrenewals, exclusions, and conditions such as required mitigation work to show where coverage is becoming less available or more costly.
  • State insurance regulators and private insurers: The study would catalog state actions like rate regulation, moratoria, residual market or reinsurance programs, and examine underwriting challenges such as correlated risks, modeling limits, and threats to insurer solvency.
  • Federal policymakers and communities: The study would assess existing federal and state risk tools, consider the need for a national wildfire risk map, and evaluate policy responses from forest management to affordability programs; the GAO must report findings within 12 months.

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Bill Overview

No Economic Impacts Identified for this Bill

Sponsors & CoSponsors

Sponsor

Waters, Maxine [D-CA-43]

CA • D

Cosponsors

  • Rep. Sherman, Brad [D-CA-32]

    CA • D

    Sponsored 1/16/2025

Roll Call Votes

No roll call votes available for this bill.

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