Wildfire Insurance Coverage Study Act of 2025

# Wildfire Insurance Coverage Study Act of 2025 - Summary **What the Bill Does:** This bill would require the Government Accountability Office (GAO), a nonpartisan government agency, to study and report on wildfire-related insurance issues in the United States. Specifically, it would examine trends in wildfire declarations, how well current mitigation efforts work, existing state and federal wildfire programs, and whether the country needs a comprehensive map showing wildfire risk areas. The bill also calls for research on wildfire insurance availability and affordability for homeowners and businesses, how states are responding to rising insurance costs, and what barriers prevent private insurance companies from offering wildfire coverage. **Who It Affects:** Homeowners and business owners in wildfire-prone areas would be the primary beneficiaries, as the study could inform better insurance policies and protections.

State and federal government agencies involved in wildfire management would also be affected. Insurance companies and regulators would be included in the study's scope. **Current Status:** The bill is currently in committee and has not yet been voted on by the full House of Representatives. It was introduced by Representative Maxine Waters (D-CA) during the 119th Congress.