加利福尼亚州通过法律来稳定野火保险计划,提供州贷款和延期索偿付款。 California passes law to stabilize wildfire insurance plan with state loans and extended claims payments.

加利福尼亚州州长Gavin Newsom于2025年10月9日签署两党法案, 稳定州FAIR计划, California Governor Gavin Newsom signed a bipartisan bill on October 9, 2025, to stabilize the state’s FAIR Plan, an insurer of last resort for homeowners unable to get private insurance due to wildfire risk. 法律允许FAIR计划在灾害发生多年后获得国家担保的贷款和债券,并分散索赔付款,从而减少了大规模救助的需要。 The law allows the FAIR Plan to access state-backed loans and bonds and spread claims payments over multiple years after disasters, reducing the need for large bailouts. 在此之前,野火造成40亿美元的损失,摧毁了17 000多个建筑,需要私营保险公司提供10亿美元的援助——其中一半将转给所有投保人。 This follows a $4 billion loss from wildfires that destroyed over 17,000 structures, requiring a $1 billion bailout from private insurers—half of which will be passed on to all policyholders. 该计划现在涵盖近60万户家庭,反映出在气候驱动的火灾风险不断恶化的情况下需求不断增长。 The plan now covers nearly 600,000 homes, reflecting rising demand amid worsening climate-driven fire risks. 立法还为FAIR计划委员会增加两名无表决权的立法代表,以改进监督,尽管批评者指出他们缺乏投票权限制的影响。 The legislation also adds two nonvoting legislative representatives to the FAIR Plan board to improve oversight, though critics note their lack of voting power limits influence. 这些改革旨在防止今后出现财政紧张,并确保在高风险地区继续获得基本家庭保险。 The reforms aim to prevent future financial strain and ensure continued access to basic home insurance in high-risk areas.