Research Note
California Property Insurance Reform Timeline
Announcement, adopted rule, effective rule, model review, filing, commitment, assessment, enacted statute, developing program, proposed legislation, litigation, and obser
In this article
California Property Insurance Reform Timeline
Status key
Announcement, adopted rule, effective rule, model review, filing, commitment, assessment, enacted statute, developing program, proposed legislation, litigation, and observed market outcome are separate states.
Dated record
| Date | Action | State on July 28, 2026 | Controlling or primary source |
|---|---|---|---|
| 2024-12-13 | Catastrophe-model regulation and coverage commitment framework | Adopted framework | https://www.insurance.ca.gov/01-consumers/180-climate-change/Sustainable-Insurance-Strategy.cfm |
| 2024-12-30 | Net cost of reinsurance regulation finalized for OAL process | Adopted framework; filing and approval remain case-specific | https://www.insurance.ca.gov/0400-news/0100-press-releases/2024/release065-2024.cfm |
| 2025-02-11 | FAIR Plan $1 billion member assessment approved | Order issued; later financial and consumer treatment remain separate | https://www.insurance.ca.gov/0250-insurers/0500-legal-info/0700-commissioners-orders/upload/Order-No-2025-1-Approving-the-California-FAIR-Plan-Association-s-Request-to-Issue-Assessment.pdf |
| 2025-07-24 | First wildfire catastrophe-model review completed | One reviewed model at that date; later reviews tracked by DOI | https://www.insurance.ca.gov/0400-news/0100-press-releases/2025/release052-2025.cfm |
| 2025-10 | SB 429 signed to establish public wildfire-model program | Enacted; model not complete | https://www.insurance.ca.gov/01-consumers/180-climate-change/public-wildfire-model.cfm |
| 2026-01-01 | New consumer-protection and wildfire-resilience laws took effect | Enacted package; implementation varies | https://www.insurance.ca.gov/0400-news/0100-press-releases/2025/release079-2025.cfm |
| 2026-02-02 | Make It FAIR Act announced | Proposed legislation at announcement; current bill status requires legislative source | https://www.insurance.ca.gov/0400-news/0100-press-releases/2026/release005-2026.cfm |
| 2026-03-25 | Public-model Request for Expertise released | Consortium selection and development preparation | https://www.insurance.ca.gov/01-consumers/180-climate-change/public-wildfire-model.cfm |
| 2026-07-23 | DOI reported additional insurer expansion commitments | Department-reported commitments; filing approval and realized coverage require separate evidence | https://www.insurance.ca.gov/0400-news/0102-alerts/2026/Insurance-surge-expanding-options-for-Ca.cfm |
Current snapshots
The Department's Sustainable Insurance Strategy page showed a February 2026 market snapshot, including FAIR Plan policy counts and filing statistics. It also described the 85 percent wildfire-distressed-area writing commitment for insurers using specified model or reinsurance-cost treatment:
https://www.insurance.ca.gov/01-consumers/180-climate-change/Sustainable-Insurance-Strategy.cfm
The FAIR Plan's own data page reported $750 billion of exposure as of March 2026:
https://www.cfpnet.com/key-statistics-data/
These numbers have different denominators and dates. They must not be merged.
Tracker boundary
The public tracker must show an as-of date, named owner, changelog, primary link, action state, effective date, implementation evidence, open questions, and next check. It is not legal advice and may lag official action.
Sources
Follow the evidence.
- content.naic.org: catastrophe models propertycontent.naic.org
- content.naic.org: reinsurancecontent.naic.org
- daltonanderson.ghost.io: ca wildfires insurance crisis expert analysisdaltonanderson.ghost.io
- ibhs.org: wildfire prepared homeibhs.org
- open.spotify.com: 4TTlp65UK2Dl3zYtgkCklsopen.spotify.com
- cfpnet.com: key statistics datacfpnet.com
- daltonanderson.net: ca wildfires insurance crisis expert analysisdaltonanderson.net
- fema.gov: fema rsl marshall mat homeowners guide to reducing wildfire risk through defensible space 042025fema.gov
- fire.ca.gov: eaton firefire.ca.gov
- fire.ca.gov: palisades firefire.ca.gov
- insurance.ca.gov: res ins guideinsurance.ca.gov
- insurance.ca.gov: 5 residentialinsurance.ca.gov
- insurance.ca.gov: commercialguideinsurance.ca.gov
- insurance.ca.gov: 07 lasliinsurance.ca.gov
- insurance.ca.gov: Sustainable Insurance Strategyinsurance.ca.gov
- insurance.ca.gov: public wildfire modelinsurance.ca.gov
- insurance.ca.gov: California FAIR Planinsurance.ca.gov
- insurance.ca.gov: release065 2024insurance.ca.gov
- insurance.ca.gov: Order No 2025 1 Approving the California FAIR Plan Association s Request to Issue Assessmentinsurance.ca.gov
- insurance.ca.gov: release052 2025insurance.ca.gov
- insurance.ca.gov: Insurance surge expanding options for Cainsurance.ca.gov
- insurance.ca.gov: release005 2026insurance.ca.gov
- insurance.ca.gov: release079 2025insurance.ca.gov
- podcastrepublic.net: 1494964342podcastrepublic.net
- safelease.comsafelease.com
- safelease.com: safelease launches facility insurancesafelease.com
- usfa.fema.gov: protecting structures from wildfire embers and fire exposuresusfa.fema.gov
- youtu.be: BUVy0xxL6tgyoutu.be