Wildfire Insurance Coverage Study Act of 2025

HR 550, 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. The study will analyze wildfire risk trends, current insurance rates and coverage availability (including policy renewals and exclusions), state regulatory responses to rising costs, and challenges insurers face in underwriting wildfire risk. It will also examine how these factors affect affordability, availability, and vulnerable communities, particularly low-income homeowners and small businesses. The GAO must submit a report to Congress within 12 months of the bill's enactment, providing findings to inform potential future policy decisions. This bill does not enact new policy but gathers data to understand the current landscape of wildfire insurance coverage.