While there’s no indication of home insurers leaving Washington state, the state insurance commissioner’s office is receiving information that homeowners around the state are receiving non-renewals in the wake of the devastating fires in and around Los Angeles in California.

Insurers are not required to continue offering coverage they’ve provided in the past, the agency said in a recent blog post. 

However, companies are reducing their risk in certain areas of the state by not renewing the policies on some homes, likely due to fire risk. The agency also is collecting data on how many policies insurers are not renewing to get a better picture of the market and potential government intervention

“Our data says that while people are being non-renewed, they’re usually able to find a new company. The best option is to shop around for new coverage,” the agency wrote. 

According to data from the U.S. Department of Agriculture and Forest Service, Benton County is rated as having very high wildfire risk to homes, higher than 94% of all counties in the U.S. 

Franklin County is rated at high risk, higher than 86% of all counties in the U.S.

Homeowners unable to find coverage can apply for coverage via the Washington FAIR Plan, the state’s insurer of last resort. The state created it years ago for people who can’t find coverage in the market to satisfy mortgage requirements. 

The FAIR Plan is not funded by taxpayers; it’s funded by the insurance industry in Washington state.