The Wildfire Insurance Coverage Study Act of 2025 directs the Government Accountability Office (GAO) to conduct a comprehensive study on wildfire insurance coverage in the United States and submit findings to Congress within one year. The study will examine wildfire risks across the country, how private insurers have changed rates and coverage over the past decade, state regulatory responses to insurance challenges, and the specific obstacles insurers face when underwriting wildfire risk. The bill also asks the GAO to analyze potential policy solutions, including forest management improvements, government affordability programs, and reinsurance options, with particular attention to how insurance availability and costs affect low-income homeowners, small businesses, and communities vulnerable to wildfires. This legislation affects homeowners, property owners, insurance companies, state regulators, and communities at risk from wildfires, and requires no new funding beyond normal GAO operations.
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