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CA AB1

CA AB1
Residential property insurance: wildfire risk.


summary

Introduced
12/02/2024
In Committee
08/29/2025
Crossed Over
06/02/2025
Passed
10/09/2025
Dead
Signed/Enacted/Adopted
10/09/2025

Introduced Session

2025-2026 Regular Session

Bill Summary

An act to add Article 5 (commencing with Section 2095) to Chapter 2 of Part 1 of Division 2 of the Insurance Code, relating to insurance.

AI Summary

This bill addresses wildfire risk for residential properties in California by requiring the Department of Insurance to periodically review and potentially update its Safer from Wildfires regulations. Specifically, the bill mandates that by January 1, 2030, and every five years thereafter, the department must consider updating regulations to include additional building hardening measures and communitywide wildfire mitigation programs. The bill recognizes that over 2 million California households are located in high or very high fire hazard zones and that homeowners are struggling to obtain affordable insurance in these areas. As part of the review process, the department must consult with multiple state agencies like the Office of Emergency Services and the Department of Forestry and Fire Protection to identify potential new mitigation measures. The bill also requires a comprehensive public participation process, including public meetings and opportunities for stakeholders to provide input on potential new building hardening measures. A key focus is encouraging the use of noncombustible construction materials that can reduce fire-related property damage and slow wildfire spread. The ultimate goal is to incentivize homeowners to invest in effective fire protection measures and help stabilize the residential insurance market in wildfire-prone regions of California.

Committee Categories

Budget and Finance, Business and Industry

Sponsors (16)

Last Action

Chaptered by Secretary of State - Chapter 472, Statutes of 2025. (on 10/09/2025)

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