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Oregonians can look up specific tax lots to see how susceptible they are to wildfires. The map won鈥檛 impact homeowner insurance plans. State law prohibits insurance providers from using it to determine premiums or coverage.

Insurance companies and residents alike are struggling to adapt to a new era of risk in the face of climate-driven wildfires, and property owners in rural communities are on the front lines.

California can鈥檛 legally require insurers to write either residential or commercial property policies. But the state expects insurers to comply with the options unveiled today because they get something they want in return: catastrophe modeling.

Lawmakers want mitigation measures to be tracked, updated and accounted for to help insurance availability and affordability.

Major insurers in central, southern and eastern Oregon have dramatically pulled back, forcing some homeowners to go to an insurer of last resort.

As insurers abandon fire-prone areas, homeowners are hard pressed to find 鈥� and afford 鈥� coverage.

As the FAIR Plan writes more fire-insurance policies, homeowners complain about poor service, rising costs and threats of getting kicked off.

Starting January 1st, insurance companies will have new wildfire laws to follow in Oregon.

Drivers鈥� complaints about difficulty getting insurance coverage prompt state to reiterate laws, signal possible enforcement actions.

鈥淲ill Californians see increased insurance costs in the future? The only realistic answer is yes,鈥� California Insurance Commissioner Ricardo Lara told state lawmakers this week.

Californians have said they experienced added difficulty over the past year in getting car insurance. Insurer rates have gone up more than usual.

The program, funded in large part by taxpayer money, pays farmers when their crop yields decline in an effort to keep the agricultural sector economically stable.