[ornornor]

I suspect they’re getting more and more frequent so the last 26 years alone don’t accurately model the future risk.

[39896880]

Not only that, they’re getting worse. Look at the list of the 20 most destructive wildfires:

https://en.wikipedia.org/wiki/List_of_California_wildfires?w...

And check the years. All but 1 are in the past 25 years.

[edmundsauto]

Costs for construction are also way up.