This bill directs the Government Accountability Office to conduct a comprehensive study on wildfire insurance coverage in the United States, working with the Federal Insurance Office and state insurance regulators. The study will examine wildfire risks across the country, analyze how private insurers have changed their coverage and rates over the past decade, and review regulatory responses by states to address insurance availability problems. The research will also identify barriers that insurers face when offering wildfire coverage and explore potential solutions ranging from improved forest management to federal assistance programs. The study must be completed within 24 months of the bill's enactment, with findings submitted to Congress in a formal report. This legislation does not appropriate any specific funding amount but establishes a requirement for executive branch analysis to inform future congressional action on wildfire insurance policy.
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