Ben Christopher, a CalMatters reporter, covers California's housing and its insurance crisis, while Umair Irfan, a Vox science reporter, dives into climate change's effects on communities. They discuss how major insurers are pulling out of California due to the severe risks from wildfires. The conversation highlights the urgent need for innovative solutions in the face of climate threats, the challenges homeowners face without coverage, and the broader implications for housing dynamics in increasingly hazardous areas.