As I wrote about a few weeks ago, State Farm and Farmers insurance is pulling out of the homeowners ins game in my area, which is a redwood forest just north of Santa Cruz beach community in California, because of wildfire risk. Fortunately California has a risk pool insurance of last resort but I'm warned the premiums will be about 4x or about $1,000/month. I can afford it, but a lot of folks around here probably cannot. Especially retired folks on fixed incomes.