[jandrewrogers]

California has a substantial wildfire and flooding risk, in addition to its large seismic risk.

[seanmcdirmid]

Most of the wildfire risk is outside of the cities, so it’s not like it is going to influence most homeowner policies. Likewise with flooding.

[jandrewrogers]

Wildfire risk is absolutely in the cities, at least in SoCal. Firestorms move through the canyons in residential areas. Quite a few neighborhoods in San Diego, for example, have been razed to the ground since I lived there, including one I used to live in. These weren’t on the edge of town.

[seanmcdirmid]

There are homes in LA that are at risk to wildfires, in canyons as you say. But that still doesn’t account for most homeowners in the area.

[text0404]

it absolutely does: https://www.bankrate.com/insurance/homeowners-insurance/carr...