California needs to let insurers assess risk of people a lot more. I live in wildfire country (seriously, there are 40' char marks on trees I can see from where

California needs to let insurers assess risk of people a lot more. I live in wildfire country (seriously, there are 40' char marks on trees I can see from where I type this right now) and I have one neighbor who's the captain of the fire department his property is the most fire-hardened you've ever seen. I have another neighbor who's an old guy who can't keep up with his property, it's a tinder box over there. They pay the same in fire insurance premiums because we're all on the state plan and they can't charge riskier people more money.