# 119-hr-550: Wildfire Insurance Coverage Study Act of 2025

119-hr-550, Wildfire Insurance Coverage Study Act of 2025, is a 119th Congress bill sponsored by Rep. Waters, Maxine [D-CA-43] (D-CA); status introduced (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-550
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-550
- Congress: 119
- Title: Wildfire Insurance Coverage Study Act of 2025
- Status: introduced
- Introduced: 2025-01-16
- Sponsor: Rep. Waters, Maxine [D-CA-43] (D-CA)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2026-04-21

## 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. - 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.

## Cosponsors (1)

- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-01-16T00:00:00.000Z

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026
- 119-hr-7973: Momnibus Act
- 119-hr-6771: Housing Crisis Response Act of 2025
- 119-hr-7977: Energy Bills Relief Act

## Sources
- [119-hr-550 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/550)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-6771: Housing Crisis Response Act of 2025](https://policyrisk.com/legislation/119-hr-6771)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-550 (as of 2026-04-21).