R590. Insurance, Administration.R590-291. Use of Fire Hazard Data in Rating and Underwriting.
R590-291-1. Authority.
This rule is promulgated by the commissioner pursuant to Sections 31A-2-201 and 31A-22-1310.
R590-291-2. Purpose and Scope.
(1) The purpose of this rule is to identify the circumstances under which a property and casualty insurer may use fire hazard data other than the wildfire risk assessment mapping tool maintained by the Division of Forestry, Fire, and State Lands.
(2)(a) This rule applies to a property and casualty insurer doing business in Utah.
(b) This rule does not apply to:
(i) an inland marine insurer; or
(ii) a surplus lines insurer.
R590-291-3. Definitions.
Terms used in this rule are defined in Sections 31A-1-301 and 31A-22-1310. Additional terms are defined as follows:
(1) "Boundary determination" means the boundary provided in the wildfire risk assessment mapping tool maintained by the Division of Forestry, Fire, and State Lands in accordance with Subsection 65A-8-203(8).
(2) "Insurer" means an insurer that issues property or casualty insurance for property located within the boundary of high risk wildland urban interface as designated by the wildfire risk assessment tool in Subsection 65A-8-203(8)(a) and defined by rule made in accordance with Subsection 65A-8-402(5)(a).
(3) "Mapping tool" means the wildfire risk assessment mapping tool maintained by the Division of Forestry, Fire, and State Lands in accordance with Subsection 65A-8-203(8).
R590-291-4. Use of Fire Hazard Data in Rating and Underwriting.
(1) In rating or underwriting high risk wildland urban interface property, an insurer may use fire hazard data other than the boundary determination provided in the mapping tool.
(2) Other fire hazard data may only be used if an insurer objectively demonstrates, in a reasonable manner acceptable to the commissioner, that the data are compliant with the mapping tool.
(3) An insurer shall provide to the commissioner, upon request, evidence and information demonstrating compliance with Subsection (2).
(4) Nothing in this rule affects the requirements of the Utah Rate Regulation Act, Title 31A, Chapter 19a.
R590-291-5. Effective Date.
The commissioner will begin enforcing this rule July 1, 2026.
R590-291-6. Severability.
If any provision of this rule, R590-291, or its application to any person or situation is held invalid, such invalidity does not affect any other provision or application of this rule which can be given effect without the invalid provision or application. The remainder of this rule shall be given effect without the invalid provision or application.
KEY: property and casualty insurance, wildfire
Date of Last Change: February 18, 2026
Authorizing, and Implemented or Interpreted Law: 31A-2-201; 31A-22-1310
