I 
117TH CONGRESS 
2D SESSION 
H. R. 8483 
To require studies regarding insurance coverage for damages from wildfires, 
and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 21, 2022 
Ms. WATERS introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To require studies regarding insurance coverage for damages 
from wildfires, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Wildfire Insurance 
Coverage Study Act of 2022’’. 
SEC. 2. NATIONAL WILDFIRE RISK ASSESSMENT. 
(a) STUDY.—The Administrator of the Federal 
Emergency Management Agency shall, pursuant to the au-
thority under section 1371 of the National Flood Insur-
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ance Act of 1968 (42 U.S.C. 4122), conduct a study re-
garding wildfire risk in the United States to— 
(1) identify trends in declarations for wildfires 
under the Fire Management Assistance grant pro-
gram under section 420 of the Robert T. Stafford 
Disaster Relief and Emergency Assistance Act (42 
U.S.C. 5187), with respect to geography, costs, 
probability, and frequency of wildfire disasters; 
(2) identify mitigation practices that would as-
sist in reducing premiums for insurance policies cov-
ering damages from wildfires; 
(3) identify existing programs of the Federal 
Government and State governments that measure 
wildfire risk and assess their effectiveness in fore-
casting wildfire events and informing wildfire re-
sponse; and 
(4) analyze and assess the need for a national 
map for measuring and quantifying wildfire risk. 
(b) REPORT.—Not later than the expiration of the 
12-month period beginning on the date of the enactment 
of this Act, the Administrator shall submit to the Congress 
a report regarding the findings and conclusions of the 
study conducted pursuant to subsection (a), which shall 
include a recommendation with regard to the need for a 
national map referred to in subsection (a)(4). 
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SEC. 3. GAO STUDY REGARDING INSURANCE FOR WILDFIRE 
DAMAGE. 
(a) STUDY.—The Comptroller General of the United 
States, in consultation with the Director of the Federal 
Insurance Office and State insurance regulators, shall 
conduct a study to analyze and determine the following: 
(1) EXISTING STATE OF COVERAGE.—With re-
spect to the existing state of homeowners insurance 
coverage and commercial property insurance cov-
erage for damage from wildfires in the United 
States— 
(A) the extent to which private insurers 
have, during the 10-year period ending on the 
date of the enactment of this Act, increased 
rates, cost-sharing provisions, or both for such 
coverage (after adjusting for inflation) and the 
geographic areas in which such increased rates, 
cost-sharing, or both applied; 
(B) the extent to which private insurers 
have, during the 10-year period ending on the 
date of the enactment of this Act, refused to 
renew policies for such coverages and the geo-
graphic areas to which such refusals applied; 
(C) the events that have triggered such in-
creased rates and refusals to renew policies; 
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