If you want to read one paper to understand wildfire insurance markets in CA, it’s this one.
It is an absolute fantastic read and shows exactly why some insurers pulled out of the market.
https://today.ucsd.edu/story/impact-of-wildfires-on-home-insurance
It is an absolute fantastic read and shows exactly why some insurers pulled out of the market.
https://today.ucsd.edu/story/impact-of-wildfires-on-home-insurance
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And it will be everywhere soon. Wildfires, floods, hurricanes, tornadoes, drought, heat waves, arctic domes - nowhere is "low risk" any more.