HB1631 Summary

• Fire insurance policies in rural fire departments must provide coverage for fire department response at minimum 2% of property value in all residential or dwelling policies.

• Fire department response fee is $1,000 for the first hour and $250 for each additional quarter hour, with costs of Class A firefighting foam replaceable and added to the fee.

• Motor vehicle accident response coverage is required under liability policies at $540 per hour for the first hour and $135 for each additional quarter hour, with a 25% increase if powered rescue equipment is used.

• Charges may be added for absorbent materials such as oil dry, absorbent pads, and booms used during responses.

• The Oklahoma Insurance Commissioner must review all rates annually, with increases determined by the Consumer Price Index or alternative index deemed appropriate; effective date is November 1, 2025.