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California has a substantial wildfire and flooding risk, in addition to its large seismic risk.

• seanmcdirmid 3y ago
  Most of the wildfire risk is outside of the cities, so it’s not like it is going to influence most homeowner policies. Likewise with flooding.
  • jandrewrogers 3y ago
    Wildfire risk is absolutely in the cities, at least in SoCal. Firestorms move through the canyons in residential areas. Quite a few neighborhoods in San Diego, for example, have been razed to the ground since I lived there, including one I used to live in. These weren’t on the edge of town.
    • qpingo 3y ago
      [dead]
    • seanmcdirmid 3y ago
      There are homes in LA that are at risk to wildfires, in canyons as you say. But that still doesn’t account for most homeowners in the area.
  • text0404 3y ago
    it absolutely does: https://www.bankrate.com/insurance/homeowners-insurance/carriers-exit-california-home-insurance https://www.bankrate.com/insurance/homeowners-insurance/carr...