There are 200,000 homes insured by CalFAIR plan, meaning they are in a fire prone region, “expected to burn” with some frequency. There are 876 structures dama

There are 200,000 homes insured by CalFAIR plan, meaning they are in a fire prone region, “expected to burn” with some frequency. There are 876 structures damaged or destroyed in 2022 fire season in California. So, the real frequency looks like once in 228 years, while I am paying - as you’ve calculated- for once in 175. CalFIRE plan looks solidly in black.