That’s because the state banned insurers from using up-to-date risk models: https://www.ecologylawquarterly.org/currents/californias-ban-on-climate-informed-mod

That’s because the state banned insurers from using up-to-date risk models: https://www.ecologylawquarterly.org/currents/californias-ban-on-climate-informed-models-for-wildfire-insurance-premiums/ https://www.ecologylawquarterly.org/currents/californias-ban... A bad policy, to be sure, but that doesn’t mean the homes are inherently uninsurable.