California Homeowners Insurance?

The record profits even with payouts got my attention.

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Who can make superbowl adds and comercials that run all day on tv….insurance companies…

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It is interesting how cities are now becoming wildfire hazards. For 100 foot clearance, will they have to remove every other home for clearance or on the small lots, possibly only keep every third home the meet the 100 foot clearance?
You think there is a home shortage now ! That I remember, ever sine the Panorama Fire in San Bernardino, CA. Neighborhoods have proven to be a fire catastrophe waiting to happen given enough wind. Yet zoning still allows for homes to be built within 10 feet of each other.

Wildland fires get the blame for poor planning on subdivisions. Proper clearance might have reduced the intensity of the Eaton and Palisades Fires.

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This is all up and down the state. Population in 1970 almost 20 million, Population 2024
39.5 million according to goggle. The Developers or Development Corporations along with City or County planning slap the homes up close together zero lot lines or just about. The Almighty Dollar
was a BIG factor in this. The more you cram in a smaller space the more revenue in return. All that green space or shaded Fuel Break not making any revenue but cost to maintain.

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I got the popcorn out for phase 4 for my neck of the woods. I had zero risk on the LRA in 2011. Well I should say they only marked High Hazard back then.

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Well here it is. I decided not to go on a rant on LinkedIn after Dan Berlant posted the new zone 4 map and allow someone from cal fire explain how this map is made. Good grief its like finger painting. No response yet from CF and I dont expect one.

What is the method/science to get to this output? They say in their video it uses fuel weather topo ember cast but how can you get an output like this with jagged lines? Crazy. My neighbor half his lot is moderate the other not. Cal Fire imho needs to explain how this came to be.

https://osfm.fire.ca.gov/what-we-do/community-wildfire-preparedness-and-mitigation/fire-hazard-severity-zones

https://experience.arcgis.com/experience/6a9cb66bb1824cd98756812af41292a0

The center of that red blob. 2 to 3 foot chamise.
Here is google maps for it.
https://maps.app.goo.gl/GwQMBYwYenR6zohH9?g_st=com.google.maps.preview.copy

On a due north you could say i would get some embers but come on nothing is carrying here. In 2 to 3 ft chamise.

Since the mapping is intended to drive where to require specific building codes on FUTURE development, they are trying to capture potential (worst-case) future fuel loading, not necessarily the current hazard. So that 2-3 foot chamise, while not a problem now, could eventually be 40 years old, much taller, and full of four decades of dead and down material.

Its already old AF its on a southwest aspect does not get big. I have lived next to it since 1986. This stuff does not add up.

I will add the polygon into the structures wtf is that from?

I want to see the science

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The most glaring of all

It’s a tough challenge when our understanding of what is possible gets redefined every couple years.

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I mean they left out most of altadena. Their credibility is shot. Im gonna get the polygon and lay it over it.

I checked on one of my old first due areas that always had me saying man on windy day this area is gonna be a problem. You cant make this up. This is the reverse of me. Stuff that should probably be high or at a minimum moderate has no score.

Here is the google map link.

https://maps.app.goo.gl/HpkSMRcRKxqzKKVa6?g_st=com.google.maps.preview.copy

What sucks is the insurance companies will take this as gospel as its from the government.

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Sure would have made it easier if they had snapped to property lines. 95% of my 1/4 acre lot is in moderate. Bets on whether my insurance company sees the bit that is high?

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https://www.washingtonpost.com/weather/interactive/2025/california-wildfire-risk-maps/

@Fish you are spot. It is finger painting.

My favorite is the Altadena area. Come on we can do better than this.

Look at the buffer from the very high to high to moderate. Its just uniform.

So it seems to me there is painting with a pretty wide brush.

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And then this so the fire hazard zone just stops? Continous fuel for a bit. If your gonna make a fire hazard zone map that is public put some science into it.

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I did a little measuring at it appears like a 700 footish buffer between the edge of the very high to the high and same from high to end of moderate and then it ends.

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One thing for sure this is going to change the Real Estate Housing Market. Throwing another Ten Grand if not more to your mortgage every year is going to hurt. If you rent a single family or multi family dwelling in these areas, I would think the rents are going up. Just the tip of the iceberg. So what happens to the housing market in these affected areas. Housing prices going down? Crazy times all around. I had to move a bunch of my insurance around to get a better deal on my house. But from what happen down south and the new maps that just came out. I’m planning on Fair Plan coverage next go around. I just renewed my insurance a month before the fire down south. I am expecting a letter saying the will not renew my coverage.

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