After retirement and living in the WUI I got to experience the other side of the fence. I was evacuated twice due to fires. Not fun. I as many also experienced property insurance issues. Some of my friends/neighbors were advised their policies were not going to renew and we were having issues finding new carriers.
It’s gotten worse over the past few years and the current events are just going to magnify the issues.
I finally sold my lace on the mountain and bailed. (due to health issues). Bought a place in the valley. I had a heck of a time finding homeowner ins. Luckily we have a friend in the business that helped us find new coverage. In the process we learned just how hard that can be. So many companies are no longer writing policies in Ca. and those who do insurance is gonna cost you an arm and leg. After the horrendous losses with the current fires things will just get much worst. It was bad already, but about to get much worse affecting everyone no matter where you live.
Then comes weather concern IF we ever get rain. Just more to add to the misery bucket.