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CaliforniaSB 4292025-2026 Regular SessionSenateWALLET

Property insurance: discrimination.

Sponsored By: Dave Cortese (Democratic)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

4 provisions identified: 3 benefits, 0 costs, 1 mixed.

Public plan and milestones for the model

The Department of Insurance must make a framework and a multiyear plan to develop, test, and launch the public wildfire model. The department must post the plan on its website. After the first grant round, the department must post clear milestones, including needed research, outreach, and operating steps to finish the model.

State grants to build public wildfire model

The law creates the Wildfire Safety and Risk Mitigation Program at the Department of Insurance. The department gives competitive grants to one or more universities to build, test, and deploy a public wildfire catastrophe model. The model must use the best available science and share its data and methods so people can review and use it. The model helps emergency planners, insurers, and communities plan and reduce wildfire risk.

Commissioner keeps insurance rate authority

The law keeps the Insurance Commissioner’s power over rate regulation and other Insurance Code duties. The program does not change or limit that authority.

Funding setup and budget trigger for program

The law creates a Wildfire Safety and Risk Mitigation Account inside the Insurance Fund to pay for the model’s work. The department must send budget recommendations to the Legislature and the Governor before September 1, 2026. The article is operative only when the Legislature appropriates money for it. Until funding is appropriated, the department does not have to run the program.

Sponsors & Cosponsors

Sponsor

  • Dave Cortese

    Democratic • Senate

Cosponsors

  • Josh Becker

    Democratic • Senate

  • Laura Richardson

    Democratic • Senate

  • Susan Rubio

    Democratic • Senate

  • Henry Stern

    Democratic • Senate

Roll Call Votes

All Roll Calls

Yes: 205 • No: 0

Senate vote • 9/13/2025

Item 170 — Senate SFLOOR

Yes: 34 • No: 0

House vote • 9/13/2025

Item 49 — Assembly AFLOOR

Yes: 79 • No: 0

legislature vote • 8/29/2025

Vote in CX25

Yes: 11 • No: 0

legislature vote • 7/14/2025

Vote in CX81

Yes: 7 • No: 0

legislature vote • 7/9/2025

Vote in CX28

Yes: 15 • No: 0

Senate vote • 6/3/2025

Item 125 — Senate SFLOOR

Yes: 39 • No: 0

legislature vote • 5/23/2025

Vote in CS61

Yes: 6 • No: 0

legislature vote • 5/5/2025

Vote in CS61

Yes: 7 • No: 0

legislature vote • 4/23/2025

Vote in CS70

Yes: 7 • No: 0

Actions Timeline

  1. Chaptered by Secretary of State. Chapter 541, Statutes of 2025.

    10/10/2025Senate

  2. Approved by the Governor.

    10/10/2025legislature

  3. Enrolled and presented to the Governor at 2 p.m.

    9/23/2025legislature

  4. Assembly amendments concurred in. (Ayes 34. Noes 0. Page 3061.) Ordered to engrossing and enrolling.

    9/13/2025Senate

  5. In Senate. Concurrence in Assembly amendments pending.

    9/13/2025Senate

  6. Joint Rule 61(a)(14) and 51(a)(4) suspended. (Ayes 59. Noes 20. Page 3413.)

    9/13/2025House

  7. Read third time. Passed. (Ayes 79. Noes 0. Page 3462.) Ordered to the Senate.

    9/13/2025House

  8. Read second time. Ordered to third reading.

    9/3/2025House

  9. Read second time and amended. Ordered to second reading.

    9/2/2025House

  10. From committee: Do pass as amended. (Ayes 11. Noes 0.) (August 29).

    8/29/2025House

  11. August 20 set for first hearing. Placed on APPR. suspense file.

    8/20/2025House

  12. Read second time and amended. Re-referred to Com. on APPR.

    7/17/2025House

  13. From committee: Do pass as amended and re-refer to Com. on APPR. (Ayes 7. Noes 0.) (July 14).

    7/16/2025House

  14. From committee: Do pass and re-refer to Com. on E.M. (Ayes 15. Noes 0.) (July 9). Re-referred to Com. on E.M.

    7/9/2025House

  15. From committee with author's amendments. Read second time and amended. Re-referred to Com. on INS.

    7/2/2025House

  16. Referred to Coms. on INS. and E.M.

    6/9/2025House

  17. In Assembly. Read first time. Held at Desk.

    6/4/2025House

  18. Read third time. Passed. (Ayes 39. Noes 0. Page 1456.) Ordered to the Assembly.

    6/3/2025Senate

  19. Ordered to third reading.

    5/29/2025Senate

  20. From special consent calendar on motion of Senator Cortese.

    5/29/2025Senate

  21. Ordered to special consent calendar.

    5/27/2025Senate

  22. Read second time. Ordered to third reading.

    5/23/2025Senate

  23. From committee: Do pass. (Ayes 6. Noes 0. Page 1200.) (May 23).

    5/23/2025Senate

  24. Set for hearing May 23.

    5/16/2025Senate

  25. May 5 hearing: Placed on APPR. suspense file.

    5/5/2025Senate

Bill Text

  • Chaptered

    10/10/2025

    HTML

  • Enrolled

    9/17/2025

    HTML

  • Amended Assembly

    9/2/2025

    HTML

  • Amended Assembly

    7/17/2025

    HTML

  • Amended Assembly

    7/2/2025

    HTML

  • Amended Senate

    3/26/2025

    HTML

  • Introduced

    2/18/2025

    HTML

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