> For example you’ll find no challenges getting insurance in San Francisco city or San Jose for the most part. While some of that is climate, much of that is b

> For example you’ll find no challenges getting insurance in San Francisco city or San Jose for the most part. While some of that is climate, much of that is because the natural environment was wiped out and urbanized years ago. I have a higher wildfire risk not because my home is in some wooded canyon, but there are more plants, trees, and open areas around vs paved cityscape.