The "Wildfire Insurance Coverage Study Act of 2025" requires the Comptroller General of the United States to undertake a comprehensive study on insurance coverage for wildfire damages. This study, conducted in consultation with the Federal Insurance Office and State insurance regulators, aims to analyze various aspects of wildfire risk and its impact on the insurance market. A detailed report of the findings and conclusions must be submitted to Congress within one year of the Act's enactment. The study will delve into the extent and nature of wildfire risk across the United States, including trends in wildfire declarations, effective mitigation practices, and the need for a national wildfire risk map. It will also examine the existing state of homeowners and commercial property insurance coverage over the past decade, focusing on how private insurers have adjusted rates, declined renewals, or altered coverage terms due to wildfire risks. Furthermore, the Comptroller General will analyze regulatory responses by State insurance authorities, assessing their actions regarding premium rate increases, coverage exclusions, and the establishment of state-level insurance mechanisms. The study will also identify significant challenges faced by private insurers in underwriting wildfire risk , such as estimating future damages, the impact of affordable housing development in high-risk areas, and potential threats to insurer solvency. It will explore various existing and potential State and Federal government responses to mitigate wildfire risk and address market challenges.