fire insurance; wildfire risk modeling

Requires wildfire risk modeling for cities and towns with populations under 150,000 people, using Firewise USA mitigation designations to determine insurance rates.

Adds new provisions preventing insurers from using consumer reports collected within 60 days to decline coverage and prohibits insurers from treating coverage inquiries as claims.

Prohibits insurers from discriminating against policyholders based on location of residence, age, race, color, religion, sex, national origin, or ancestry when transferring policies.

Adds formal definition of 'wildfire risk model' to include map-based tools, computer-based tools, or simulations used to assess residential wildfire risk.

Clarifies that conditions not on the insured premises cannot be used as grounds for nonrenewal and establishes appeal procedures for arbitrary nonrenewal decisions.