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this post was submitted on 31 Mar 2024
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It fucking sucks that here in CA, the entire state is losing insurers despite the fact that a huge chunk of the population lives in coastal areas with no danger of wildfires.
I would have thought California EQ was the peril scaring them all away. Very expensive to reinsure - most commercial property catasrophy models (RMS & AIR are the big ones) peg it as the second most risky North American peril after Florida Hurricane.
Then those models are fucking shit. San Francisco and Los Angeles are in no danger from wildfire.
EQ is earthquake. According to USGS, California faces a ~75% chance of a major earthquake in the next 100 years.
Have a quick google of "California quake risk" for a slew of in-depth (and somewhat scary) articles and research papers.
Home insurance already doesn't cover earthquakes though. That's a separate insurance product, and companies could just stop offering it.