SALEM — A bill meant to reward Oregon landowners for wildfire risk mitigation with more affordable insurance rates will survive until the end of the 2026 legislative session. However, supporters of Senate Bill 1540 haven’t yet reached complete agreement with the insurance industry on the proposal, which could threaten its passage given this year’s time constraints. “It is a challenge to get this done in a 35-day session,” said Kenton Brine, president of the NW Insurance Council, which represents the regional industry. In broad terms, SB 1540 will require insurance companies to consider wildfire mitigation actions in their models for assessing risk, which inform pricing and policy decisions. Insurers will have to submit these models for verification with Oregon’s Department of Consumer and Business Services, but if they don’t, they will still have to offer discounts to landowners who undertake wildfire mitigation steps.