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Read. Follow. Verify.Oklahoma House passes bill requiring rural fire department response coverage in fire and motor vehicle liability insurance policies
Last action · March 5, 2025: CR; Do Pass, amended by committee substitute Government Oversight Committee
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What This Bill Proposed
House Bill 1631 requires rural fire department response coverage to be included in residential fire insurance and motor vehicle liability insurance policies, establishing standard fees for responses, foam replacement, equipment use, and , effective November 1, 2025.
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
rural fire departments
Rural fire departments receive guaranteed minimum coverage levels and standardized fee schedules for responding to residential fires and motor vehicle accidents.
residential property owners
Residential property owners in rural areas are subject to mandatory fire department response coverage provisions and associated fee structures within their fire insurance policies.
motor vehicle insurance policyholders
Motor vehicle liability policyholders must have coverage that includes rural fire department responses to motor vehicle accidents at specified hourly rates.
Insurance Commissioner
The Insurance Commissioner is directed to review all established response rates annually using the Consumer Price Index or another appropriate index.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
What coverage is required for rural fire department responses under residential fire insurance policies?
What are the standard response fees for rural fire departments attending residential fires?
How are motor vehicle accident response fees structured for rural fire departments?
Who reviews the response rates, and how are adjustments calculated?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · passed the House.
Procedural history
6 actions- Mar 5, 2025HouseFloorCR; Do Pass, amended by committee substitute Government Oversight Committee
- Feb 11, 2025HouseFloorPolicy recommendation to the Government Oversight committee; Do Pass General Government
- Feb 4, 2025HouseCommitteeReferred to General Government
- Feb 4, 2025HouseCommitteeSecond Reading referred to Government Oversight
- Feb 3, 2025HouseAuthored by Representative Sneed
- Feb 3, 2025HouseIntroducedFirst Reading
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Standardization of Rural Fire Response Fees
The bill introduces fixed statutory fee schedules and mandatory minimum coverage percentages for rural fire departments responding to both residential property fires and motor vehicle accidents.
Connected Entities
Sources
www.oklegislature.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 65)
- Controversy25Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz30Current news / social attention level
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