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My Insurance has been canceled because of this... It is now 3x the rate from the bigger companies... We and all neighbors maintain fire breaks as prescribed... We are hoping to sell in next couple of years... We have people running things that could not keep a business a float...
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There were quite a few insurance companies that took huge hits last year between the Carr, Ranch, and Camp fires. They are now pulling out of all forest foothill and Mountian areas.
I saw quite a few houses go up that had good fire defence. Ultimately, nothing stops raining embers that are falling from a half mile away from jumping your fire line.
The places that did survive that shouldn't have was a stucco house with metal roof. The fire melted the abs vents out of the roof and rubber gasket around the thresholds. Bad smoke and heat damage. But the houses survived.