Oregon Legislature tackles home insurance crisis with Senate Bill 85 for wildfire risk reduction

The Oregon State Legislature convened on April 16, 2025, to address pressing issues surrounding the home insurance crisis exacerbated by wildfires. Central to the discussions was Senate Bill 85, aimed at alleviating the severe anxiety and insecurity faced by residents in wildfire-prone areas. The bill seeks to ensure that property owners who actively mitigate wildfire risks can access affordable insurance, a critical concern as the frequency and intensity of natural disasters continue to rise.

The meeting highlighted the urgent need for collaborative efforts among communities, insurance companies, and state agencies. Legislators emphasized that effective risk reduction requires a neighborhood approach, where residents work together to implement safety measures. This strategy is not only practical but also essential, as individual efforts may be insufficient against the backdrop of increasingly destructive wildfires. The bill outlines a framework for community-level actions and strategies, with a report due in February 2026 from the insurance commissioner and fire marshal, focusing on these collaborative initiatives.

Senate Bill 85 reflects a broader national trend, as states across the country grapple with similar challenges related to disaster preparedness and insurance. The discussions underscored the importance of recognizing community efforts in insurance underwriting decisions, which could lead to more favorable policy terms for those who take proactive steps to reduce risks.

In conclusion, the Oregon Legislature's commitment to addressing the home insurance crisis through Senate Bill 85 signals a significant step towards enhancing community resilience against wildfires. As the state continues to navigate these challenges, the collaborative model proposed in the bill may serve as a blueprint for other regions facing similar threats. The involvement of key figures like Insurance Commissioner Andrew Stolfi and Fire Marshal Mariano Ruiz Temple positions Oregon as a leader in the national conversation on wildfire preparedness and insurance reform.