Oregon Senate passes Bill 85 to tackle wildfire insurance crisis

In a pivotal session on April 16, 2025, the Oregon State Senate convened to address the pressing issue of insurance rates amid the ongoing wildfire crisis. The atmosphere was charged with urgency as lawmakers discussed Senate Bill 85, a measure aimed at fostering collaboration between the state and the insurance industry to mitigate the impacts of wildfires on homeowners.

Senator Golden, a key proponent of the bill, emphasized its importance as a critical step towards addressing the insurance crisis that has left many Oregonians struggling with skyrocketing rates. "This private-public sector partnership is our best shot for finding our way through the insurance crisis," he stated, highlighting the need for standardized practices to reduce wildfire risks. The bill proposes that the state will promote best practices for home and neighborhood safety, while the insurance industry will respond with adequate and affordable coverage for those who meet these standards.

The discussion revealed a shared concern among senators about the accuracy of wildfire risk maps and their impact on insurance rates. Senator Robinson noted that many property owners have expressed frustration over perceived inaccuracies in these maps, which have led to increased costs and limited options for coverage. He reassured constituents that the bill does not impose mandates but rather encourages insurers to offer discounts for risk-reducing measures homeowners can take.

However, not all senators were entirely optimistic. Senator Bonham raised concerns about the historical context that led to the current crisis, reflecting on previous legislation that may have inadvertently exacerbated the situation. He cautioned that while Senate Bill 85 is a necessary response, it does not erase the hardships already faced by many homeowners who have seen their insurance rates double or have lost coverage altogether.

As the session progressed, the urgency of the matter was palpable. Senators acknowledged the broader implications of the bill, recognizing that Oregon is not alone in facing these challenges. States across the West are grappling with similar issues, and the need for effective solutions is more critical than ever.

In a decisive vote, Senate Bill 85 passed with a constitutional majority, marking a significant step forward in Oregon's efforts to navigate the complexities of wildfire risk and insurance affordability. As the Senate moves on to discuss further legislation, the implications of this bill will undoubtedly resonate throughout the state, shaping the future of home insurance in the face of an ever-evolving climate crisis.