Creating a wildfire mitigation grant program.

HB 2407 establishes the "Strengthen Washington Homes Program," a grant initiative to help homeowners, contractors, and nonprofits retrofit homes to meet wildfire preparedness standards set by the Insurance Institute for Business & Home Safety (IBHS). The program provides financial grants for wildfire risk mitigation, requiring properties to achieve IBHS certification (like "Wildfire Prepared Home" status) and secure necessary permits before receiving funding. It also prohibits insurers from denying coverage based solely on wildfire risk if a property holds IBHS certification. The bill creates a dedicated program account for funding, funded by state appropriations and eligible grants, with implementation overseen by the Insurance Commissioner.