BILL · 2025–26 SESSION · LATEST VERSION ESSB 5928

SB 5928: Wildfire risk models

Concerning wildfire risk models and score disclosure.

Summary

Requires an insurance company to provide a policyholder with information about their wildfire risk score when the policy is adversely affected, non-renewed, or cancelled due to wildfire risk.
Permits policyholders to request a revision to their wildfire risk score or classification once per policy period, with appropriate documentation, and sets up an appeals process.
Requires an insurance company that uses a wildfire risk model, a catastrophe model, or a combination, to submit certain information about those models to the Office of the Insurance Commissioner with their rate filings.

From the Engrossed Substitute House Bill Analysis 2026 (ESSB 5928), written by the Legislature's nonpartisan staff. Read the full report ↗

Did not pass Did not pass · passed Senate, stalled in House

AN ACT Relating to wildfire risk models and wildfire risk score disclosure;

Passed February 11, 2026

Version voted on: ESSB 5928

48 Yea 1 Nay 0 Absent 0 Excused

Party	Yea	Nay	Absent	Excused
Democrat	30	0	0	0
Republican	18	1	0	0

How each member voted

Mar 12, 2026By resolution, returned to Senate Rules Committee for third reading. (ESSB 5928)
Feb 14, 2026First reading, referred to Consumer Protection & Business. (ESSB 5928)
Feb 11, 2026Third reading, passed; yeas, 48; nays, 1; absent, 0; excused, 0. (ESSB 5928)
Feb 11, 2026Rules suspended. Placed on Third Reading. (ESSB 5928)
Feb 11, 2026Floor amendment(s) adopted. (ESSB 5928)
Feb 11, 20261st substitute bill substituted. (ESSB 5928)
Feb 11, 20261st substitute bill substituted.
Jan 28, 2026Placed on second reading by Rules Committee. (ESSB 5928)
Jan 28, 2026Placed on second reading by Rules Committee.
Jan 22, 2026Passed to Rules Committee for second reading. (ESSB 5928)
Jan 22, 2026Passed to Rules Committee for second reading.
Jan 21, 2026BTE - Majority; 1st substitute bill be substituted, do pass. (ESSB 5928)
Jan 21, 2026Minority; without recommendation. (ESSB 5928)
Jan 21, 2026Minority; without recommendation.
Jan 21, 2026BTE - Majority; 1st substitute bill be substituted, do pass.
Jan 12, 2026First reading, referred to Business, Trade & Economic Development.
Dec 22, 2025Prefiled for introduction.

Bill numbers restart every two years, so the same number is a different bill in each session.

SB 5928 (2023–24) Coercive control study · Did not pass · died in committee
SB 5928 (2021–22) State energy code · Did not pass · died in committee
SB 5928 (2019–20) Local net income taxes · Did not pass · died in committee
SB 5928 (2017–18) Marijuana/financial services · Enacted · Chapter 68, Laws of 2018
SB 5928 (2015–16) Bellevue College BSc degrees · Enacted · Chapter 33, Laws of 2016, 1st Special Session
SB 5928 (2013–14) Audit of state universities · Did not pass · died in committee
SB 5928 (2011–12) Traffic infraction penalties · Did not pass · died in committee
SB 5928 (2009–10) Publ deposit protection comm · Did not pass · stalled on the Senate floor