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California's Fire Crisis: Insurance and Housing Challenges
This chapter analyzes the multifaceted causes of California's wildfire crisis, debunking myths around environmental impacts and emphasizing the importance of land use policies. It examines the relationship between home insurance regulations and the challenges of housing development in high-risk areas, highlighting the vulnerabilities of millions of Californians. The discussion also contemplates potential solutions and the ethical dilemmas posed by state interventions in the insurance market.