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you dont get to just live anywhere you decide. the planet doesnt care about your opinions and at some point, neither should your fellow humans.
you want to live in a risky place? go for it. but we should then be able to say "good luck, we're not subsidizing your risk"
These people.
Them: This is my home and I ain't leaving it.
Nature: lol ok, Fire burns their homes.
Them: "Why god, why!!!!"
Every year I say I have no pity for the people in the hills in the fire danger zone. When they come on the news and cry about their million dollar houses, I laugh. This ain't new and it happens every year. Maybe don't go and live in the fire zones.
OC resident.
Or maybe the price of homes in those mountain areas should come down to reflect the high risk of fire, and inability to insure homes in those areas.
Insurance is a scam that leads to a disconnect between the value of things and what people can afford to pay for them, such as health care, which leads to an artificial reduction in financial risk, which leads to reckless spending by the insurance industry, which leads to artificially high prices, which only leads to more people to need insurance, because they increasingly can't afford to pay for housing and healthcare on their own income.
When insurance pool/scam collapses, it's just the government, i.e. taxpayers, i.e. you and me, left holding the bag anyway.
Homeowners insurance companies have bullshit excuses for not insuring homes in coastal California too.
How do you propose to make insurance affordable in a community where the risk of it burning to the ground is, say, 5% in any given year?
Does "burn to the ground" mean exclusively by wildfires or include arson/kitchen incidents/electrical incidents?
Either way, the insurance companies need to be less greedy.
Just wildfires; the routine home accidents have a low enough annual risk that they're insurable at an affordable price.
If you look at Zillow, the houses are still going for quite some $$ https://www.zillow.com/san-bernardino-ca/
They are even flipping them: https://www.zillow.com/homedetails/252-N-Allen-St-San-Bernardino-CA-92408/17220719_zpid/
(at least I think they are flipping them).
This amazes me about florida real estate. Every time you hear about rebuilding after a hurricane I think of that simpsons where the clock falls on marges leg.