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AB-1 • 2026

Residential property insurance: wildfire risk.

Residential property insurance: wildfire risk.

Enacted

This bill passed the Legislature and reached final enactment based on the latest official action.

Sponsor
Connolly
Last action
2025-10-09
Official status
Chaptered by Secretary of State - Chapter 472, Statutes of 2025.
Effective date
Not listed

Plain English Breakdown

The bill summary does not specify which agencies must be consulted, leaving some uncertainty about the exact scope of consultations.

Wildfire Risk in Home Insurance

This law requires the Department of Insurance to review and possibly update its rules about home insurance every five years starting in 2030, focusing on new ways to protect homes from wildfires.

What This Bill Does

  • Requires the Department of Insurance to consider whether they need to add more building hardening measures for homes against wildfires every five years starting in 2030.
  • Tells the department to consult with specified agencies to identify additional building hardening measures and communitywide wildfire mitigation programs.
  • Needs the department to develop and implement a public participation process during the evaluation.

Who It Names or Affects

  • Homeowners who have or want home insurance
  • Insurance companies that sell home insurance

Terms To Know

Building hardening measures
Steps to make buildings stronger and safer against wildfires, like using fire-resistant materials.
Public participation process
A way for people to share their ideas and feedback during the review of insurance rules.

Limits and Unknowns

  • The bill does not specify which agencies the department must consult with.
  • It is unclear what new measures might be added or how they will affect home insurance prices.

Bill History

  1. 2025-10-09 California Legislative Information

    Chaptered by Secretary of State - Chapter 472, Statutes of 2025.

  2. 2025-10-09 California Legislative Information

    Approved by the Governor.

  3. 2025-09-23 California Legislative Information

    Enrolled and presented to the Governor at 4 p.m.

  4. 2025-09-12 California Legislative Information

    In Assembly. Ordered to Engrossing and Enrolling.

  5. 2025-09-11 California Legislative Information

    Read third time. Passed. Ordered to the Assembly. (Ayes 40. Noes 0. Page 2886.).

  6. 2025-09-03 California Legislative Information

    Ordered to third reading.

  7. 2025-09-03 California Legislative Information

    From special consent calendar.

  8. 2025-09-02 California Legislative Information

    Ordered to special consent calendar.

  9. 2025-08-29 California Legislative Information

    Read second time. Ordered to third reading.

  10. 2025-08-29 California Legislative Information

    From committee: Do pass. (Ayes 7. Noes 0.) (August 29).

  11. 2025-08-18 California Legislative Information

    In committee: Referred to suspense file.

  12. 2025-07-09 California Legislative Information

    In committee: Hearing postponed by committee.

  13. 2025-06-25 California Legislative Information

    From committee: Do pass and re-refer to Com. on APPR. with recommendation: To Consent Calendar. (Ayes 7. Noes 0.) (June 25). Re-referred to Com. on APPR.

  14. 2025-06-11 California Legislative Information

    Referred to Com. on INS.

  15. 2025-06-03 California Legislative Information

    In Senate. Read first time. To Com. on RLS. for assignment.

  16. 2025-06-02 California Legislative Information

    Read third time. Passed. Ordered to the Senate. (Ayes 79. Noes 0. Page 1815.)

  17. 2025-05-27 California Legislative Information

    Read second time. Ordered to third reading.

  18. 2025-05-23 California Legislative Information

    From committee: Do pass. (Ayes 14. Noes 0.) (May 23).

  19. 2025-04-23 California Legislative Information

    In committee: Set, first hearing. Referred to suspense file.

  20. 2025-04-02 California Legislative Information

    From committee: Do pass and re-refer to Com. on APPR. (Ayes 17. Noes 0.) (April 2). Re-referred to Com. on APPR.

  21. 2025-04-02 California Legislative Information

    Coauthors revised.

  22. 2025-02-03 California Legislative Information

    Referred to Com. on INS.

  23. 2024-12-03 California Legislative Information

    From printer. May be heard in committee January 2.

  24. 2024-12-02 California Legislative Information

    Read first time. To print.

Official Summary Text

AB 1, Connolly.
Residential property insurance: wildfire risk.
Existing law generally regulates classes of insurance, including property and fire insurance. Existing law creates the Department of Insurance, headed by the Insurance Commissioner, and prescribes the department’s powers and duties. Existing department regulations prohibit an insurer from using a rating plan that does not take into account and reflect specified wildfire risk mitigation, including property-level building hardening measures.
This bill would require the department, on or before January 1, 2030, and every 5 years thereafter, to consider whether or not to update its regulations to include additional building hardening measures for property-level mitigation efforts and communitywide wildfire mitigation programs. As part of this consideration, the bill would require the department to consult with specified agencies to identify additional
building hardening measures to consider, as well as to develop and implement a public participation process during the evaluation.

Current Bill Text

Read the full stored bill text 
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