The risk of fire has clearly massively increased thanks to climate change. California's rules literally dont allow them to charge prices that account for this.

The risk of fire has clearly massively increased thanks to climate change. California's rules literally dont allow them to charge prices that account for this. California has an insurance plan of last resort that is now billions underwater, which is a clear sign of the issues at play. Its not that these insurance companies are screwing their customers; rather at the rates that California requires they charge, these houses should not exist because they are a net negative to society unless their insurance costs more. I agree on the dense housing. So many of these burns are in areas that we shouldn't have built.