California

As many as 2.4 million homes are at risk of losing protection in 2021 as year-long grace periods expire – though new disasters may extend their shields. In all, 18% of the state’s households could effectively lose protection, the largest single group since the moratorium law took effect three years ago.

Several companies are using artificial intelligence and data analytics to better map properties for coverage in potential high-risk wildfire areas.

California and others have passed consumer privacy laws, and lawmakers in Congress are beginning to address the issue. Here's an overview of the players and the proposals.