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Wildfire Insurance Study: Improving Coverage for Homeowners

This act mandates studies on wildfire risks and the availability and cost of wildfire insurance. The goal is to understand how wildfires impact home and property insurance, and to find ways to improve protection for citizens. The studies aim to identify issues and develop better solutions for people living in wildfire-prone areas.
Key points
The Federal Emergency Management Agency (FEMA) will study wildfire trends, costs, and frequency to better assess national risk.
The study aims to identify practices that could reduce wildfire insurance premiums, such as hardening properties and landscaping.
The U.S. Comptroller General will investigate why insurers raise rates or refuse to renew wildfire policies, and how state authorities respond.
The analysis seeks to understand the impact of lack of coverage or high costs on communities, including low-income property owners and small businesses.
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Additional Information
Print number: 117_HR_8483
Sponsor: Rep. Waters, Maxine [D-CA-43]
Process start date: 2022-07-21
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Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Wildfire Insurance Coverage Study Act of 2022

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_HR_8483.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2022-07-21.

What are the main provisions?

Key points include:

  • The Federal Emergency Management Agency (FEMA) will study wildfire trends, costs, and frequency to better assess national risk.
  • The study aims to identify practices that could reduce wildfire insurance premiums, such as hardening properties and landscaping.
  • The U.S. Comptroller General will investigate why insurers raise rates or refuse to renew wildfire policies, and how state authorities respond.
  • The analysis seeks to understand the impact of lack of coverage or high costs on communities, including low-income property owners and small businesses.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Waters, Maxine [D-CA-43].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-28.

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