Earlier quoted context omitted.
Yes, there are parts of California that are uninsurable against wildfires. Technically they could be insurable but State regulators will not allow insurance companies to raise premiums sufficient to cover the actuarial risk. The necessary premiums are prohibitively expensive for homeowners, but anything less risks bankrupting the insurance companies and increases their reinsurance costs which also must be passed on t…
> More proactive and competent wildfire mitigation would reduce the risk and therefore make insurance premiums more reasonable. Or... not building mansions next to forestry? In Germany we have pretty strict requirements on distances, so it's rare for damages to occur. Also, most of our power grid infrastructure is buried below ground, so videos like the ones circulating on Twitter from arcing lines setting bushes and…
The risk level is not just affected by proximity to forests. For offshore (Santa Ana) wind events, the riskiest areas are the SW bottom of hills and near canyons. That's where the current LA fires are.
IMO, a better prevention measure would be to not build houses out of sticks. That's already the case for much of the housing in Europe. Alas, here in the US the colonial and cabin aesthetics still win out, even when fire-resistant options aren't more expensive.
Coffey Park in Santa Rosa was destroyed in 2017, and most properties were rebuilt to lower fire-resistance standards.[1] The second little pig just doesn't wanna hear it.
https://wildfiretoday.com/2019/11/19/after-the-tubbs-fire-ho...