@bootstrap well state farm saw the risk and folded their hand. Smart move, and many have left california not only because of the risk but also the rules. They need to make money and if the regulations dont allow them to offset risk with rate increases then its a financial decision to leave.
@modcamo you nailed it. The onus is on the private property owner/community. One google street view drive is all ya need and like @pyrogeography said 99.9999% it is a beautiful place to live.
My hope on the insurance industry is that they can get to some science based rates. My letter this year from AAA says my rate went up 20%, Im in a wildfire zone that is dictated by my zipcode and that there is NOTHING I can do to reduce my rate, threat profile. THAT IS INSANITY.
I dont live in the WUI for a reason but because I am adjacent I am punished for it. I thought I might have a little cabin in the mountains knowing the risks but on a 5 acre property where I could avoid structure to structure ignition and have a lot more control but I dont think the insurance company is even going to look at that anymore. They will paint with a broad brush. I think its just time to get an RV.