; (F) the effects on the homeownership coverage market of such actions taken by States; and (G) the effectiveness and sustainability of such actions taken by States. (4) Impediments in underwriting wildfire risk With respect to impediments faced by private insurers underwriting wildfire risk, what is or are— (A) the correlated risks and the extent of such risks; (B) the extent of private insurers’ inability to estimate magnitude of future likelihood of wildfires and of expected damages from wildfires; (C) the extent to which need for affordable housing contributes to people relocating to more remote, heavily wooded areas with higher wildfire risk; (D) the potential for wildfire losses sufficiently large to jeopardize insurers’ solvency; (E) the extent to which, and areas in which, risk-adjusted market premiums for wildfire risk are so high as to be unaffordable; (F) the manners in which the Federal Government and State governments can alleviate any of these impediments, including through— (i) improved forest management policies to reduce wildfire risk; (ii) improved data to estimate risk; (iii) relocating homeowners from wildfire zones; (iv) allowing insurers to charge risk-adjusted premiums for wildfire risk, combined with subsidized premiums for lower-income homeowners; and (v) taking a last-loss position in reinsuring wildfire risk; (G) the available policy responses if private insurers exit the wildfire coverage market and the advantages and disadvantages of each such response; (H) the effects of lack of wildfire coverage or more expensive wildfire coverage rates, cost-sharing, or both— (i) on local communities, including on low- or moderate-income property owners and small businesses; (ii) by race and ethnicity; (iii) on rebuilding in communities previously damaged by wildfires; and (iv) on the demand for wildfire coverage by property owners; (I) the effects of potential State prohibitions on termination of policies due to wildfire claims on insurer solvency