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Wildfire Insurance Study: Availability and Costs for Citizens

This act mandates a government agency to conduct a study on insurance coverage for wildfire damages. The goal is to understand why insurance costs are rising or policies are being withdrawn, and how this impacts the availability and affordability of protection for homeowners and businesses. The findings will inform future decisions regarding support for citizens in wildfire-prone areas.
Key points
The study will assess wildfire risks in the U.S., including trends, costs, and the effectiveness of current risk management programs.
It will examine how insurers have adjusted rates and policy terms over the past 10 years, and where wildfire coverage has been withdrawn.
It will analyze state government responses to rising insurance costs and their impact on coverage availability.
It will identify challenges for private insurers and potential solutions, such as improved forest management or support programs for citizens.
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Status: Introduced
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Additional Information
Print number: 119_HR_550
Sponsor: Rep. Waters, Maxine [D-CA-43]
Process start date: 2025-01-16
System Note: Lustra is free, publicly auditable civic infrastructure — full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source—always verify them if you can.
Summarized by: gemini-2.5-flash
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Wildfire Insurance Coverage Study Act of 2025

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_550.

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 2025-01-16.

What are the main provisions?

Key points include:

  • The study will assess wildfire risks in the U.S., including trends, costs, and the effectiveness of current risk management programs.
  • It will examine how insurers have adjusted rates and policy terms over the past 10 years, and where wildfire coverage has been withdrawn.
  • It will analyze state government responses to rising insurance costs and their impact on coverage availability.
  • It will identify challenges for private insurers and potential solutions, such as improved forest management or support programs for citizens.
What is the specific legal status?

The current status is Introduced.

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 2025-12-23.

What is the impact of this bill?

We don't know—that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Real Estate Economy Environment