Washington’s insurance commissioner backed a wildfire risk scoring transparency bill that passed the state Senate in 2026. The bill would require insurance companies to disclose wildfire risk scores when they use them, explain the factors behind the score, and give homeowners plain-language steps to improve the score. It would also let property owners appeal if they have done mitigation work or can show inaccuracies. The debate is growing as wildfire risk affects whether people can get or afford home insurance. Supporters say homeowners deserve to know why premiums rise or coverage is denied. Insurers may argue that risk models are complex, proprietary, and necessary to price coverage accurately. The public question is how to balance transparency, fair appeals, climate risk, and keeping insurance markets available. If a model can raise your premium or threaten your coverage, you should be able to see the reason and fix what is fixable.