Short answer: Oregon's 2023 wildfire law, SB 82, gives homeowners concrete rights: insurers must consider home hardening and defensible space, notices of cancellation, non-renewal or premium increases must give more actionable information, and after certain declared fire emergencies you get at least 24 months to repair, rebuild or replace. If two standard insurers decline you, you qualify for the Oregon FAIR Plan. Insurers must give at least 30 days' written notice before non-renewing.
This guide is general information for Oregon homeowners. It isn't legal advice. Your policy wording controls.
Step 1: Use your SB 82 wildfire rights
The Division of Financial Regulation's SB 82 guidance lists the key provisions:
- Notices of cancellation, non-renewal and premium increase must contain more comprehensive, actionable information.
- Insurers must consider home hardening and defensible space in rating and underwriting, with flexibility in how they reflect it.
- After a fire during certain declared emergencies, you get at least 24 months to repair, rebuild or replace damaged property.
DFR's wildfire page adds that SB 82 barred insurers from using the state wildfire hazard map to cancel, non-renew or raise premiums, and that in 2025 SB 83 repealed the state map. Insurers still use their own models, so document every mitigation step you take.
Step 2: If you're declined, the FAIR Plan or surplus lines
According to DFR, the Oregon FAIR Plan is a policy of last resort; premiums are often higher and coverage less comprehensive. To qualify, you must have been declined by two standard insurance companies. Surplus lines insurers may offer broader coverage. See FAIR Plan vs. surplus lines home insurance.
Step 3: Flood and earthquake
Neither is covered by a standard homeowners policy. Ask about an earthquake endorsement, and quote flood through FloodSmart.
Step 4: Non-renewal notice
Under ORS 746.687, insurers must give written notice at least 30 days before the policy expires. Details: Oregon homeowners non-renewal rules.
Step 5: Claims
Under Oregon's claim handling rule, insurers must acknowledge a claim within 30 days. More: Oregon insurance claim deadlines.
See our tables: non-renewal notice rules by state, insurance claim deadlines by state and home insurance claim and lawsuit deadlines by state.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Oregon.
Frequently asked questions
How long do I have to rebuild after an Oregon wildfire?
Under SB 82, at least 24 months to repair, rebuild or replace after a fire during certain declared emergencies.
Can Oregon insurers use the state wildfire map?
No. SB 82 barred its use for rating and underwriting, and SB 83 repealed the state map in 2025. Insurers still use their own models.
Who qualifies for the Oregon FAIR Plan?
Owners who have been declined by two standard insurance companies, according to DFR.
How much notice before an Oregon homeowners non-renewal?
At least 30 days' written notice under ORS 746.687.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.