As someone pointed out above, California has the FAIR plan for over 50 years which has been pretty effective. This LA fire might be its biggest test. Basically

As someone pointed out above, California has the FAIR plan for over 50 years which has been pretty effective. This LA fire might be its biggest test. Basically there's no part of California that is not insurable against wildfire https://grist.org/extreme-weather/california-overhauled-its-insurance-system-then-los-angeles-caught-fire/ https://grist.org/extreme-weather/california-overhauled-its-...