OREGON
A8 — THE OBSERVER
THURSDAY, AUGUST 18, 2022
State: Insurance rates will not rise due to new Oregon wildfi re risk map
series of heated public listening ses-
sions that took place after the Wild-
fi re Risk Explorer map was released
by the Oregon Department of For-
estry on June 30.
The searchable map, created in
collaboration with researchers at
Oregon State University, showed
the wildfi re risk of 2 million tax lots
across the state, categorizing them
into fi ve levels: no, low, moderate,
high or extreme risk. About 80,000
property owners discovered they
were in high or extreme risk areas,
and received letters from the For-
estry Department telling them that
they could be subject to fi re-resis-
tant building codes currently under
development.
Many learned the day the map
was published that their prop-
erty had been designated high or
extreme risk, and they were con-
fused and frustrated with how the
risk had been assigned and how that
would aff ect their rates and cov-
erage. One meeting scheduled to
take place in Grants Pass was even
moved online in response to threats.
By ALEX BAUMHARDT
Oregon Capital Chronicle
SALEM — Concerns that a new
map showing wildfi re risks across
Oregon will lead to property insur-
ance hikes are unfounded, state
fi nancial regulators said.
Insurers have not fi led the
paperwork to raise rates for high-
risk properties and have told offi -
cials at the Oregon Department of
Consumer and Business Services,
which regulates property insur-
ance, they do not intend to use the
maps in their coverage and rate
assessments.
“Insurance companies in Oregon
did not use, and currently have no
plans to use, the state wildfi re risk
map in their decision-making,”
Mark Peterson, communications
director for the department, said in
an email. “During informal discus-
sions before the state wildfi re risk
map was released, insurers told the
division they were not planning on
using the map.”
The announcement follows a
That call from his insurer “was
the fi rst time I was made aware the
Department of Forestry was even
making this map,” he said. Cas-
sidy found a new company to cover
him, but his premium is now double
what it used to be.
“Is it possible for me to have a
fi re out here? Under the right con-
ditions, there are a lot of places that
are susceptible,” Cassidy said. “Is it
extreme as it exists? No.”
In response, Peterson of the
Department of Consumer and
Business Services said, “Anyone
who is being told their policy is
being non-renewed or canceled
due to the state wildfi re risk map
should fi le a complaint with the
division.”
The department issued an advi-
sory to agents selling insurance,
telling them insurance companies
are not using the map to deter-
mine rates and coverage, adding
that spreading false or misleading
information about potential rate
hikes is a violation of the Oregon
Insurance Code.
Andrew Cutler/The Observer, File
The state of Oregon recently withdrew a map showing the fi re risk of individual land
parcels, and concerns that a new map showing wildfi re risks across Oregon will lead
to property insurance hikes are unfounded, state fi nancial regulators said.
The Forestry Department
rescinded the map about fi ve weeks
later over public outcry and pres-
sure from Republican state legisla-
tors. It is currently being reworked,
with offi cials taking public com-
ment into account. For some, the
department’s claim that insurance
rates would not change runs counter
to their experience. Kevin Cas-
sidy, who owns property in Baker
County near the Elkhorn Moun-
tains, told the Capital Chronicle last
month that his 20-year-old property
insurance policy was not renewed
by his insurer due to the high-risk
category his property fell under on
the map.
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*Hearing test is always free. Hearing aids do not restore natural hearing. Individual experiences vary depending on severity of hearing loss, accuracy of evolution and ability to adapt to amplification. Hearing test is an audiometric test to determine amplification needs only. These
are not medical exams or diagnoses. If you suspect a problem please seek treatment from your physician. **Blue Cross Blue Shield, The Blue Cross, The Blue Shield, BCBS and Federal Employee Program are registered trademarks of Blue Cross Blue Shield Association. Blue
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ITE
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numbers, etc..)
*Hearing test is always free. Hearing aids do not restore natural hearing. Individual experiences vary depending on severity of hearing loss, accuracy of evolution and ability to adapt to amplification. Hearing test is an audiometric test to determine amplification needs only. These
are not medical exams or diagnoses. If you suspect a problem please seek treatment from your physician. **Blue Cross Blue Shield, The Blue Cross, The Blue Shield, BCBS and Federal Employee Program are registered trademarks of Blue Cross Blue Shield Association. Blue
Cross Blue Shield Association and its independent licensees are not affiliated with nor do they endorse or sponsor the contents of this advertisement. Trademarks referring to specific providers are used by Miracle-Ear for nominative purposes only: to truthfully identify the
source of the services about which information is provided. Such trademarks are solely the property of their respective owners. The aids must be returned within 30 days of delivery pursuant to terms of your purchase agreement and 100% of the purchase will be refunded.