No Insurance for Wildfire-Prone California

In September of 2020, an article was featured on Upzoned titled, “They Know How to Prevent Megafires. Why Won’t Anybody Listen?” It discussed the frustrations that people working on the ground in forest fire management felt, knowing that the fires were being caused by decades of overzealous fire oppression and the lack of controlled burning efforts. They knew that the situation was only going to get worse—and sure enough, nowadays California is having to take a reactive approach to the situation, rather than a proactive one.

Today, host Abby Kinney and Strong Towns Senior Editor Daniel Herriges follow up on this story, looking at the current situation in California. They discuss a new article from POLITICO that highlights a different approach to the problem: discouraging development in hazardous areas from the get go. This is happening primarily because insurance companies are starting to recognize that they cannot continue to insure properties in high-risk areas.

Is this the right answer? It’s certainly a very controversial move, and some argue that we can’t afford to raise insurance rates during a housing crisis. Join Abby and Daniel as they “upzone” this controversy, analyzing it through the Strong Towns lens and exploring why it is that seemingly “nothing will deter people from moving into some of the most disaster-prone corners of the United States.”

Additional Show Notes

• “California continues to face wildfire risks. Insurers think they have an answer,” by Debra Kahn, POLITICO California (December 2021)

• Abby Kinney (Twitter)

• Daniel Herriges (Twitter)

• Theme Music by Kemet the Phantom