[AnthonyMouse]

How does that actually get people to stop living there?

Suppose you can't get insurance and you can't get a mortgage without insurance. The house still exists. Its value will crash. But having crashed, now someone can afford to buy it without a loan. Meanwhile there is still a massive housing shortage, so somebody will.

And that's the thing that caused this, and the only way out of it. You have to build enough housing in the areas that aren't in the direct path of wildfires that nobody is being forced by those high prices into the housing that is.

[r00fus]

A house without any neighbors, in a bankrupt city or unincorporated area that's also a food desert sounds like a non-starter to 99% of the people on the plant.

Meanwhile CA also recently revamped how local regulators are allowed to regulate things like more duplexes and multiplexes in all residential areas.

[AnthonyMouse]

But the neighboring houses are still there too, and as long as people live there, so will there be grocery stores etc.