Recent wildfires in Los Angeles, including the devastating Palisades and Eaton fires, have resulted in at least 10 fatalities and are expected to cause record losses of $135 billion. These disasters are pushing California towards an insurance crisis, raising concerns about the affordability and availability of home insurance in the state. Thousands of homeowners were already dropped by insurers prior to the fires, and as companies grapple with potential losses up to $20 billion, many are reevaluating their coverage and fleeing California’s challenging insurance landscape, exacerbated by climate change. Homeowners are warned to be cautious as premiums could rise significantly, and experts suggest that the consequences of these fires may herald a future where parts of the U.S. become uninsurable.