ID H0618

Fire insurers must submit complete rate filings to the Idaho Department of Insurance at least 60 days before use, including full disclosure of any wildfire risk models, catastrophe models, and actuarial justifications for rating factors

Insurers must publish on their websites all available premium discounts for property-specific and community-level wildfire mitigation actions, along with the appeal process for wildfire risk scores

Policyholders and applicants must receive annual written notice of their wildfire risk score, a plain-language explanation of how it was calculated, the range of possible scores, and how mitigation actions could improve their classification

Insurers must provide wildfire risk scores within 15 days of application, with renewal offers, with nonrenewal notices, and within 30 days when policyholders complete mitigation actions and request a revised score

The Department of Insurance must collect annual data from fire insurers on Idaho exposures, premiums, and claims, and publish consumer education materials on its website by January 1, 2027; the act takes effect July 1, 2026