Mike Kent, president of the Bitterroot Board of Realtors, said the forum helped attendees better understand why insurance premiums continue to rise. The law requires insurance companies to disclose wildfire risk scores and the specific scoring information used when evaluating homeowners or applicants. Brown said, “Insurance companies are getting more sophisticated with how they identify risk,” Brown said. Insurance companies may also consider whether departments are volunteer or full-time, as well as their staffing levels and funding. A fourth forum is planned for Gallatin County after Labor Day as officials continue addressing rising insurance premiums and increasing notices of policy non-renewal across Montana.