Wildfire Insurance Coverage Study Act

Wildfire Insurance Coverage Study Act of 2025 This bill requires reports regarding wildfire risk and damage. Specifically, the Government Accountability Office (GAO) must report on trends in wildfire declarations, mitigation practices, state and federal programs regarding wildfire risk, and the need for a national map of wildfire risks. The GAO must also report on (1) the availability and cost of wildfire insurance coverage for homes and commercial property, (2) state regulatory responses to increasing costs of coverage, and (3) impediments to private wildfire insurance coverage.

1. This bill requires a study on insurance for wildfire damage in the United States. 2. The study will assess the risk of wildfires and how it affects insurance rates. 3. It will look at how private insurers have changed their policies over the last ten years. 4. The bill also examines state responses to rising insurance costs and coverage exclusions. 5. Finally, it will explore the need for a national map to measure wildfire risk.

Homeowners and businesses in areas at risk of wildfires.