As wildfire season expands in length and intensity, insurance companies are becoming less likely to insure homes in areas they deem high-risk for wildfires. While states can dictate how much private insurance companies can raise rates by, if those companies aren’t happy with the states’ decision, they can leave the area. However, insurance companies aren’t required to use the new ratings, meaning premiums won’t necessarily drop for those living in the Wildland Urban Interface. The bill, according to Merkley’s office, would create grant programs for states to help homeowners pay for renovations and projects to reinforce defensible space. It would also provide vouchers for state insurance commissioners to give to low-income families that create defensible space.