ID · regulation notes
Idaho wildfire insurance & regulation
Paraphrased from official DOI / residual-market materials. Not legal advice — confirm live pages before relying on day counts or dollar limits.
FAIR / residual market
No enacted Idaho homeowners residual FAIR market was found. HB 17 (2025) proposed a wildfire insurance pool — confirm status; do not cite as law without enactment. Residual path: surplus lines / specialty admitted.
Non-renewal & notices
Specific wildfire nonrenewal-day extract was not found in the research pass — verify Idaho Insurance Code / DOI consumer guides before publishing days. DOI data calls (2025 and Bulletin 26-02 in 2026) monitor premiums, coverages, and pauses/exits in higher-risk regions.
Mitigation credits & disclosure
No mandatory HO wildfire mitigation-credit or score-appeal statute was found. SB 1183 (2025) Wildfire Standard of Care Act addresses electric-corporation Wildfire Mitigation Plans with IPUC — utility liability/planning, not homeowners residual-market law.
Risk-score / appeal path
Challenge underwriting data in writing; use DOI consumer hotline for complaints. Do not invent CA-style appeal clocks.
Homeowner takeaways
- Watch DOI wildfire market data-call results for availability trends.
- Document hardening for surplus-lines and returning-to-admitted narratives.
- Do not confuse utility WMP law with HO residual-market coverage.