Referred to the House Committee on Financial Services.
This bill directs the Government Accountability Office (GAO), in consultation with the Federal Insurance Office and State insurance regulators, to conduct a 12-month study on wildfire risk and insurance coverage for wildfire damage. The study must analyze wildfire risk trends, mitigation practices, existing homeowners and commercial wildfire coverage (including rate changes and nonrenewals), State regulatory responses, underwriting challenges, and possible public- and private-sector policy responses.
Left emphasizes consumer protections and equity-focused remedies
Relative to its intended legislative type, this bill is a well-scoped GAO study directive with clear topics, responsible parties, and a fixed deliverable deadline, but it omits funding/resourcing details and guidance on data access and methodological constraints.
This bill directs the Government Accountability Office (GAO), in consultation with the Federal Insurance Office and State insurance regulators, to conduct a 12-month study on wildfire risk and insurance coverage for wildfire damage.
The study must analyze wildfire risk trends, mitigation practices, existing homeowners and commercial wildfire coverage (including rate changes and nonrenewals), State regulatory responses, underwriting challenges, and possible public- and private-sector policy responses.
The Comptroller General must report findings and conclusions to Congress within 12 months of enactment.
Narrow, technical reporting bill with minimal fiscal impact and broad stakeholder relevance; main barrier is legislative calendar and committee action.
Relative to its intended legislative type, this bill is a well-scoped GAO study directive with clear topics, responsible parties, and a fixed deliverable deadline, but it omits funding/resourcing details and guidance on data access and methodological constraints.
Left emphasizes consumer protections and equity-focused remedies
These are examples from the analysis, not a ranked list of the most-affected groups.
Left emphasizes consumer protections and equity-focused remedies
Likely supportive because the bill seeks evidence to protect consumers, identify mitigation, and assess impacts on vulnerable communities.
Sees potential to inform policies addressing affordability and climate-driven risk, but may worry the study alone avoids immediate relief.
Generally favorable as a pragmatic, evidence-building step to inform policy.
Views the GAO study as a low-cost, nonprescriptive way to clarify tradeoffs, though wants clear timelines and actionable options rather than open-ended analysis.
Cautiously supportive of an information-gathering GAO review but wary that mapping and federal involvement could presage regulatory mandates or taxpayer-funded backstops.
Prefers preserving state primacy and insurer market incentives.
Reached or meaningfully advanced
Reached or meaningfully advanced
Still ahead
Still ahead
Still ahead
Narrow, technical reporting bill with minimal fiscal impact and broad stakeholder relevance; main barrier is legislative calendar and committee action.
The bill has not accumulated any surfaced votes yet.
Left emphasizes consumer protections and equity-focused remedies
Narrow, technical reporting bill with minimal fiscal impact and broad stakeholder relevance; main barrier is legislative calendar and commi…
Relative to its intended legislative type, this bill is a well-scoped GAO study directive with clear topics, responsible parties, and a fixed deliverable deadline, but it omits funding/resourcing details and guidance on…
Go beyond the headline summary with full stakeholder mapping, legislative design analysis, passage barriers, and lens-by-lens tradeoff breakdowns.