# 119-s-2430: Wildfire Insurance Coverage Study Act of 2025

119-s-2430, Wildfire Insurance Coverage Study Act of 2025, is a 119th Congress bill sponsored by Sen. Heinrich, Martin [D-NM] (D-NM); status introduced (as of 2025-12-21).

- Canonical: https://policyrisk.com/legislation/119-s-2430
- As of: 2025-12-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2430
- Congress: 119
- Title: Wildfire Insurance Coverage Study Act of 2025
- Status: introduced
- Introduced: 2025-07-24
- Sponsor: Sen. Heinrich, Martin [D-NM] (D-NM)
- Cosponsors: 1
- Policy area: Emergency Management
- Touches household money: no
- Last recorded action: 2025-12-21

## Summary

**A federal study of wildfire insurance coverage and risk.** This bill would direct the Comptroller General to conduct a wide-ranging review and deliver a report to Congress within 1 year that maps wildfire risk and examines how insurance markets and regulators handle wildfire losses. - Homeowners and commercial property owners: The study would look at insurer actions over the past 10 years on rate increases, non-renewals, exclusions, and coverage conditioned on mitigation. It could clarify where coverage is shrinking or becoming more expensive. - State insurance regulators: The report would analyze state tools such as rate oversight, moratoria, residual market entities, reinsurance programs, and premium subsidies to see which actions affect availability and affordability. - Insurers and underwriters: The study would probe underwriting challenges like correlated risks, modeling limits, insolvency risk, and the role of reinsurance and risk sharing in keeping coverage available. - Policymakers and communities: The review would assess mitigation practices, the need for a national wildfire-risk map, and policy options from relocation to means-tested premium assistance.

## Cosponsors (1)

- Sen. Sheehy, Tim [R-MT] (R-MT), 2025-07-24T00:00:00.000Z

## Related bills

- 119-s-4744: Take Care of America’s Veterans Act
- 119-s-5071: Children's Safe Welcome Act of 2026
- 119-s-135: Wildland Firefighter Paycheck Protection Act of 2025
- 119-s-5283: Momnibus Act
- 119-s-1507: Agriculture Resilience Act of 2025
- 119-s-3923: Weather Research and Forecasting Innovation Reauthorization Act of 2026

## Sources
- [119-s-2430 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2430)

## Related
- [119-s-4744: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-s-4744)
- [119-s-5071: Children's Safe Welcome Act of 2026](https://policyrisk.com/legislation/119-s-5071)
- [119-s-135: Wildland Firefighter Paycheck Protection Act of 2025](https://policyrisk.com/legislation/119-s-135)
- [119-s-5283: Momnibus Act](https://policyrisk.com/legislation/119-s-5283)
- [119-s-1507: Agriculture Resilience Act of 2025](https://policyrisk.com/legislation/119-s-1507)
- [119-s-3923: Weather Research and Forecasting Innovation Reauthorization Act of 2026](https://policyrisk.com/legislation/119-s-3923)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2430 (as of 2025-12-21).