Recent wildfires in Los Angeles County have raised significant alarm regarding the future of home insurance in California and potentially across the country. With estimates of insured property losses ranging from $28 billion to $35 billion, the impact of these fires is expected to push insurance premiums higher for homeowners, not only in California but in other states as well. The catastrophic destruction, including over 17,000 structures damaged or destroyed, has left many homeowners grappling with insurance claims, often facing denial from providers. This situation has further highlighted systemic flaws within the insurance industry, as experts warn that an insurance crisis could threaten the broader U.S. economy. As insurance costs surge, apartment developers raise concerns about the viability of new projects, and many homeowners fear losing their coverage altogether. The implications of the LA fires are far-reaching, prompting discussions about the crucial role of insurance in managing wildfire risks and the necessity for reform in the face of a changing climate.