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83rd OREGON LEGISLATIVE ASSEMBLY--2025 Regular Session
House Bill 3089
Sponsored by Representative LEVY E (Presession filed.)
SUMMARY
The following summary is not prepared by the sponsors of the measure and is not a part of the body thereof subject
to consideration by the Legislative Assembly. It is an editor’s brief statement of the essential features of the
measure as introduced.The statement includes a measure digest written in compliance with applicable readability
standards.
Digest: The Act defines “wildfire risk” to show what insurers must do with respect to home-
owner insurance. The Act takes effect 91 days after the session ends. (Flesch Readability Score:
63.4).
Defines “wildfire risk” for the purpose of determining certain obligations of insurers related to
homeowner insurance.
Takes effect on the 91st day following adjournment sine die.
A BILL FOR AN ACT
Relating to a definition of “wildfire” for the purposes of insurance coverage; amending ORS 742.277;
and prescribing an effective date.
Be It Enacted by the People of the State of Oregon:
SECTION 1. ORS 742.277 is amended to read:
742.277. (1) As used in this section and ORS 742.278:
(a) “Homeowner insurance” has the meaning given that term in ORS 746.600.
(b) “Wildfire risk” means danger to people or property that is threatened or caused by
a fire that is:
(A) An uncontrollable brush fire, firestorm or other series of fires, regardless of origin,
that is fueled predominantly by trees, grasslands, timber, scrub or any other naturally oc-
curring or native-grown vegetation; and
(B) Declared by a governmental authority as a wildfire.
[(b)] (c) “Wildfire risk mitigation action” means an action that reduces wildfire risk to property,
including:
(A) A property-level action, such as establishing defensible space, hardening a building or re-
ceiving certification from the Insurance Institute for Business and Home Safety for a Wildfire Pre-
pared Home or a similar entity.
(B) A community-level action, such as receiving recognition as a Firewise USA Site in Good
Standing or recognition from a similar entity or participating in community risk reduction programs
established by the State Fire Marshal.
(2) An insurer that cancels or decides not to renew a homeowner insurance policy for a prop-
erty, or that increases a premium for a homeowner insurance policy for a property, for a reason that
is not nonpayment of a premium and that is materially related to wildfire risk, shall send a notice
of the cancellation, decision not to renew or premium increase to the insured that describes:
(a) Any property-specific characteristics related to wildfire risk that resulted in the cancellation,
decision not to renew or premium increase.
(b) Wildfire risk mitigation actions the insured could undertake to improve the insurability of
NOTE:Matter in boldfaced type in an amended section is new; matter [italic and bracketed] is existing law to be omitted.
New sections are in boldfaced type.
LC 3319 HB3089
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the property, if there are any.
(c) If the insurer used wildfire risk scores or classifications to assess the property, the following
information:
(A) In plain language, a description of how wildfire risk scores and classifications are deter-
mined, including a description of any general variables the insurer considers.
(B) The range of wildfire risk scores or classifications that could potentially be assigned to a
property.
(C) The relative position of the wildfire risk score or classification assigned to the property.
(D) Impacts, if there are any, that wildfire risk mitigation actions could have on a wildfire risk
score or classification assigned to the property.
(d) General information about factors the insurer considers in order to classify, measure or
otherwise determine the wildfire risk to a property.
(e) Any other information specified by rule by the Department of Consumer and Business Ser-
vices.
(3) In addition to the requirements of subsection (2) of this section, a notice for a premium in-
crease that is materially related to wildfire risk must describe:
(a) What wildfire risk mitigation actions the insured could undertake, if any, that would result
in a discount, incentive or other premium adjustment.
(b) The amount of the potential discount, incentive or other premium adjustment.
SECTION 2. This 2025 Act takes effect on the 91st day after the date on which the 2025
regular session of the Eighty-third Legislative Assembly adjourns sine die.
[2]