Wildfire Insurance Coverage Study Act of 2025

# Wildfire Insurance Coverage Study Act of 2025 - Summary **What the Bill Would Do** The Wildfire Insurance Coverage Study Act of 2025 would require a comprehensive study to examine how wildfire insurance is currently available and affordable across the United States. If passed, it would direct researchers to analyze gaps in insurance coverage, identify which areas and communities struggle to obtain wildfire protection, and explore why some insurers are withdrawing from high-risk regions. The bill would essentially create a fact-finding mission to understand the wildfire insurance problem before proposing solutions. **Who It Affects** This bill would primarily affect homeowners and property owners in wildfire-prone states, particularly in the West. It could also impact insurance companies, state insurance regulators, and communities where insurance is becoming scarce or unaffordable.

By studying the problem, the bill aims to help policymakers develop better solutions for people living in fire-risk areas. **Current Status** The bill is currently in committee and has not yet been voted on by Congress. It was introduced by Senator Martin Heinrich (D-NM) in the 119th Congress. Committee review is where bills typically undergo debate and revision before advancing for broader consideration.