Insurance companies have left California in droves and it has become prohibitively expensive for most people to purchase fire insurance for homes except for gov subsidized programs. “California Fair plan” which is still very expensive and offers poor coverage. So the entire fire insurance industry in California is essentially a state Gov program like Obama care for fire insurance where the state mandates that the companies have to insure everyone at “fair rates” regardless of the specifics of risk and if the person has done the work to make their home lower risk.

It’s a combination of restrictive insurance regs and insane environmental regs.

The insurance and fire industry are essentially painted into a corner. The only solutions that get any traction are more taxes and redistributive policies.