Wildfire Insurance Coverage Study Act of 2025

The Wildfire Insurance Coverage Study Act of 2025 would require the Comptroller General of the United States to conduct a comprehensive study on wildfire insurance coverage, analyzing risk trends, insurer practices, state regulatory responses, and underwriting challenges. The study would examine how private insurers have adjusted rates, non-renewed policies, or excluded wildfire coverage over the past decade, and assess the impact on affordability and availability for homeowners and businesses, particularly in high-risk and vulnerable communities. Findings would be reported to Congress within one year of enactment, with input from the Federal Insurance Office and state insurance regulators. The bill aims to inform potential policy solutions to growing wildfire-related insurance market instability.