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California also has government sponsored fire insurance for property owners that can't obtain commercial insurance. While this is good for individual property owners it's not really fair that taxpayers have to subsidize them. We're not allowing the free market to efficiently price in risks.

https://www.cfpnet.com/

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Subsidized, but not fully sponsored. I live about a mile outside the edge of the 2021 CZU fire, and our insurance costs about tripled, even with the CA FAIR plan. We’ve followed the CalFire “defensible space” guidelines and covered vents with fine screen, but improving survivability for that existing house from there would mean reroofing with metal or tile, removing or replacing all wooden decking, and covering T-111 siding with stucco or stone. Not cheap. Also effectively a different house. Multiplied by all the homes in woodlands, still not cheap. For anyone who has always wanted to live in the woods, consider living near the woods instead.

Yeah those retro-fits would be very expensive. It doesn't make a lot of sense to me that insurance companies paid to rebuild a lot of homes out of materials that aren't suitable for the homes' fire risk. Though, I don't have a ton of knowledge about this.

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