INSURANCE – States findings of the Legislature and authorizes the Legislative Council to appoint a committee to undertake a study of the property insurance market in Idaho.

HCR 16 is a legislative resolution that states Idaho's Legislature finds the property insurance market is under severe strain due to wildfires, rising costs, carrier withdrawals, and limited coverage access - particularly in rural areas. It authorizes Idaho's Legislative Council to appoint a committee to study the market and develop strategies to stabilize it and improve insurance affordability and availability for all residents. The committee will gather input from affected parties and must report its findings and recommendations to the next legislative session. This resolution does not change insurance laws but sets up a formal study to address current market challenges.