On July 2, 2025, the Montana Commissioner of Securities and Insurance (CSI) issued an Advisory Memorandum regarding insurance refusals and wildfire risks.

The CSI has received complaints from consumers and agents about property and casualty insurers refusing to write new or increased coverage due to alleged wildfire risks. The advisory memorandum prohibits insurance companies from refusing to issue policies in areas that do not have a substantially increased risk of loss due to wildfires. Insurers are expected to make decisions on issuance, renewal, cancellation, or coverage changes on a case-by-case basis with reference to the degree the property is actually at risk of wildfire loss. 

Please see the Advisory Memorandum for more information.