California can't save every burned town
latimes.com
latimes.com
Insurance isn't mentioned at all in the article. WUI areas have become nearly impossible to insure, even if you're doing all the things right for making your property fire-resistant (and most homeowners in these areas aren't). As long as California's housing market stays red-hot, there will still be another sucker willing to pay for California's state-insurance-plan-of-last-resort, but someday, somehow, something's gonna change and all of a sudden a lot of people won't be able to afford homeowner's insurance, and that's going to gut a lot of the fire-prone small towns.
Newer state building codes are much more fire-resistant. Structures in the town of Paradise that had been built in the last 10 to 15 years largely all survived, even when all neighboring buildings were destroyed. New construction going into these places isn't going to burn the same way the old construction did; future costs will be less devastating, and it takes time for fuels to build up to the levels necessary for apocalyptic events.
The state, also, is slowly getting less dumb about preventative fuel maintenance and the issues around prescribed burning are getting worked on.
"Should these places exist at all" is about as fair a question as whether Phoenix or Las Vegas or New Orleans should exist, but it's kind of a boring argument because there's no state-run central planning that is going to forcibly relocate everyone or refuse to rebuild any of them again.
A more interesting question is, "what do the changing conditions over the next 10 years mean for where I should live?"
a) it's a lot harder to somehow abandon large populations than small ones, and
b) the cost vs benefit ratio is probably there for big cities in a way that it's not for small towns in the mountains. Spending a billion dollars to rebuild a town with a population that numbers in the hundreds is horrible economic value. In contrast, New Orleans is big enough to where spending billions on flood protection may be still be worth it on some level.
That said, it'd certainly be nice to find a way to have cute little towns in the mountains that wasn't dependent on enormous subsidies from other cities.
It would be better if that money were being spent on affordable new housing development that wasn't just replacing low-income small communities, but it's still weird to talk about it as though it's a billion dollars in a winged suitcase that is set free to live its best life in some untamed wilderness, not a single Jackson of which will ever again grace a wallet.
Yep. I am paying about $2000 a year for fire insurance for my summer home in Sierra Nevada. They promise to pay $350k estimated as the price to rebuild. Three major fires were nearby this year, about a 100 homes burned in the county. But thousands of (presumably) insured homes, including mine, survived. The deal looks pretty good for the insurance company.
I am also paying California and federal taxes. This girl talks about federal money as coming from nowhere. But they are not from nowhere, they are from my pocket. If they are that scarce, I would rather spend them on rebuilding California towns, than say Ukrainian ones.
I pointed out that I find it gross to prioritize federal spending for your vacation home over victims of war.
Also, ordinary Americans certainly don't have vacation homes.
> I am also paying California and federal taxes. This girl talks about federal money as coming from nowhere. But they are not from nowhere, they are from my pocket. If they are that scarce, I would rather spend them on rebuilding California towns, than say Ukrainian ones.
Rebuilding Ukrainian towns reinforces the wavering American hegemony, which has many benefits for Americans broadly. Rebuilding some town that'll just burn down again in a few years? Negative value, just another liability. Tax revenues of <20% insured value/yr will never cover the cost.
There are 200,000 homes insured by CalFAIR plan, meaning they are in a fire prone region, “expected to burn” with some frequency.
There are 876 structures damaged or destroyed in 2022 fire season in California.
So, the real frequency looks like once in 228 years, while I am paying - as you’ve calculated- for once in 175. CalFIRE plan looks solidly in black.
Anyway, your prediction that I am paying too little for fire insurance seems wrong so far, isn’t it.
One year is a sample considering that different years have different results and you you pay yearly premiums for pricing.
Another way to think: is there more data for houses burning that are not from 2022?
For example, you claimed 876 structures so far in 2022, but in 2020 there were 11,116 structures damaged or destroyed [1]. In 2021 there were 3629 [2]. See why making claims on one data point is not statistically valid?
A few more years from the same data source:
2012 => 876
2013 => 456
2014 => 471
2015 => 3159
2016 => 1274
2017 => 10280
2018 => 24226
2019 => 732
2020 => 11116
2021 => 3629
Notice any possible trend?
>Why do you call a year incomplete
because
>the fire season is practically over
you answered it: the year is not over. And all examples of past data I just presented had relevant fires well past this date. To expect no more this year ignores demonstrable history.
>your prediction
I made no such prediction.
The mean over the above data (and ignoring the expected and demonstrated upward trend) is 5190, far above your single (incomplete) data point of 876.
So you computed 1 in 228, but the avg above puts the last 10 years (using your math) at 1 in 38. This also ignores that previous years often had less houses in CalFAIR, which makes it even less in your favor.
>I am paying too little for fire insurance seems wrong so far, isn’t it
Go ahead and update your calculation using your method above with this better data and see what you obtain.
It would take ~175 years for your premiums to add up to $350k, so the insurance co is betting that your house is only likely to burn to the ground less frequently than once per 175 years. Given you've said there were three fires nearby this year, and we know that fires aren't going to become _less_ frequent over the coming decades, that's not a bet I'd be willing to take. $2k premiums don't sound sustainable to me.
There are 876 structures damaged or destroyed in 2022 fire season in California. So, the real frequency looks like once in 228 years, while I am paying - as you’ve calculated- for once in 175.
CalFIRE plan looks solidly in black.
Or Los Angeles. Bringing in water from halfway up the state? Maybe we should shut the place down instead.
This is a (literal, not figurative) example of the broken window fallacy.
No it is not. The broken window fallacy is the misunderstanding that breaking windows seems to be a net gain for the economy. The comment you are replying to specifically said such rebuilding will still have "a net cost."
But, that doesn't seem to have worked for you and one other reply (so far).
How would you have phrased this to prevent this misunderstanding?
The example given is $1B to rebuild a community of 300, or $33M/person. There's no way that community can ever pay back that loan -- and if they can, why are we subsidizing it?
> Insurance isn't mentioned at all in the article. WUI areas have become nearly impossible to insure, even if you're doing all the things right for making your property fire-resistant (and most homeowners in these areas aren't). As long as California's housing market stays red-hot, there will still be another sucker willing to pay for California's state-insurance-plan-of-last-resort, but someday, somehow, something's gonna change and all of a sudden a lot of people won't be able to afford homeowner's insurance, and that's going to gut a lot of the fire-prone small towns.
The formula is simple: if a fire is expected every X years, and the cost to rebuild is $Y, can you charge $Y/X + some margin for profit and bad luck? Private insurance is saying no. If public insurance is saying yes, it is only via some form of subsidy.
Should we be subsidizing the rural lifestyle in this way? We already directly subsidize rural roads, electrical infrastructure, hospitals, telecom, and more. We have many more indirect subsidies via higher electrical bills for the undergrounding of electrical transmission lines, agricultural subsidies, implied muni bond insurance, etc.
We've got to draw the line somewhere, and we can't afford for it to be at $33M/resident.
$1B/300 is $3M.
The question is still reasonable, though, and I would guess the answer is that it's that a ton of infrastructure needs to be replaced and rural areas have always had unsustainable infrastructure costs. Also demand for construction labor is high after wildfires so costs are elevated.
One would expect maybe a hasty big procurement would give twice the cost of building compared to building the houses one by one, not 10 times. Also the roads and water pipes etc should be fine still.
This quote makes me tremendously unsympathetic. The overwhelming majority of people have to compromise their lives in one way or another, and "have you considered living in a small town that isn't in a wildfire zone" is hardly anything compared to what some people have to deal with.
No, I don't remember this. It sounds made up. Do you have a citation?
Nope: documenting all of the awful and shitty things conservatives said on the radio wasn't a thing back then.
Partisan capture of media is a disaster. Once CNN/WaPo/NYT followed the Fox News model of catering to partisans and ideologues, things got worse. Fox News was a short term benefit to GOP, long term disaster (turned them into whacko echo chamber). Increasingly, we see this for Dems not realizing that NPR reporters aren't great proxies for working class voters (shocker).
And you should have heard the horrible things liberals were saying back then. Truly awful, despicable things.
But as you said, sorry, no sources, you'll just have to believe me.
In other words, it was made up.
As a kid in the 80s who detested the evangelical churches I was forced to attend, one thing I do remember: Literally dozens of people in these churches were going to Ethiopia at a time, and constant food drives as well. I've been on mission trips myself to Haiti.
Have you ever gone to Haiti? Have YOU ever handed out food in any third world nation? Say what you want about the evangelicals (believe me, I have more resentment than anyone), at least they actually DO stuff instead of just virtue signaling.
edit: tribalism has existed for all of human history as a function of brain structures older than the written word, which new thing are you referring to?
edit2: what have you done for us lately? In other words, the fun part about the 80s being 20 years ago is that they were actually 40 years ago. Consider a local food drive that does not require jet fuel? You are probably surrounded by unmet need.
edit3: republicans didn't include a 'moral majority' of evangelicals who openly claimed AIDS was literally an act of god in punishment of homosexuality? 1> https://www.pewresearch.org/fact-tank/2007/05/07/see-aids-as... 2> https://jme.bmj.com/content/medethics/14/3/154.full.pdf 3> https://digitalcommons.cedarville.edu/cgi/viewcontent.cgi?ar...
Sounds made up. Got a citation?
HN guidelines state we must assume people are telling the truth. Funny I didn't get that assumption. Just pointing out the hypocrisy.
Also, it isn't really "charity": they force people to worship their god by withholding their aid until they do so. There is a long history behind this. That's largely why they are despised.
But seriously: if you believe 100% of the people on the internet, especially when they are enraged and trying to prove a point, I feel bad for you.
https://www.youtube.com/watch?v=VKNoJ2BzSRU
No dog in this fight I just enjoy Googling things
Maybe it should do.
Native Americans have lived in these places for thousands of years. Much longer than cars, industry, datacenters and their resulting climate change. I'd fault the latter for this situation, not the victims.
Native Americans not only lived there for thousands of years, they had been doing fire mitigation for most of that time, very effectively as I understand it.
Then we white people moved in, scorned their deep-rooted knowledge, and murdered most of them, so even without climate change, we'd be likely to see worse fires than a few hundred years ago.
I also don't think its at all offensive to suggest someone should move. Native American tribes moved about the continent seasonally at a minimum. Most of our college students are asked to move to pursue opportunity, with the expectation that they'll be moving again for the same reason. Fleeing dangerous areas and flocking to safe ones happens in all kinds of populations for all kinds of reasons, and if this is the first time your family has been displaced across multiple generations of ties to what have been some of the most desireable locations avaliable it seems like you've been an outlier in the best way for generations.
It's going to be a long and painful process for people to realize things are changing. People are going to be very hurt and angry as it sinks in for them.
But I don’t think the folks who live in rural CA want to live in a European-style village with big fields separating them from the woods, they want to live in the forest and away from other people.
I don’t think it’s wrong to allow people to take risks if they know what they are getting into. At the same time, there’s a point where it doesn’t make sense for the state to socialize the cost of rescuing / protecting people who choose to take that level of risk.
No man is an island right?
You just described how I feel about the entire state of Florida.
This question is entirely what the article discusses. Moral, economic considerations are discussed. You should read it.
Your comment is rude, and against HN guidelines.
Many millions of people in the US are going to have kids and grandkids who have a drastically different life than they imagine for them. And not in a good way.
If you live in an area that constantly floods, where clean water is increasingly scarce, or which is frequently on literal fire you'd be crazy to stay and keep rebuilding, but even worse is that people are still investing and developing in these types of locations as well. Eventually the government is going to have to step in and relocate people, and leave anyone who stays to their own fate, but you'd think more people would see what's coming and save themselves a lot of pain and suffering. Don't waste your time and money on soon to be less than worthless property, find a nice place somewhere safer, and get in while you can.
While the US should do its part to take in as many as it can we'll be dealing with it ourselves. The western US is facing increasing desertification, clean water is becoming more difficult to find, and the temps are rising which means eventually there will be a lot of people forced inland and out of the western US. It's going to get a lot more crowded around here.
Hell, the quality of life today is far better than even 20 years ago.
To make the claim that in a couple generations things will overall be worse if just glass half-full thinking.
The problem is that people always agree to this until their house burns and their child dies and then they feel like society didn’t do enough to protect them. It’s just the human condition.
https://www.latimes.com/local/lanow/la-me-ln-new-cranston-fi...
I wonder if that opinion will apply to all the people that will be inundated by water in the bay area in the next century.
Drive into any nice, quaint community at the interface between wilderness and development and you'll see homes surrounded in close proximity by fire vulnerable vegetation. I get it, it looks nice. But there's no way you should be able to get insurance if you allow it.
Not only that, many of these mountain towns are serviced by a limited number of roads, sometimes only one. A wall of fire can easily overtake the population even with advanced warning due to traffic issues.
Climate change is a threat, but fire is also part of the CA ecosystem in many places. It isn't going away and we need to be intelligent in how we anticipate and deal with it.
Australia's bushfires often destroy houses built in very similar areas, lovely and leafy, surrounded by trees that have evolved to burn.
I'm not sure if it's a holdover from the mindset that we can fully and effectively manage nature, or just because we prefer to live in hope, and the trees are pretty.
But damn, either way, how much effort and risk is taken on to protect people living in areas prone to fire out of choice?
In NZ, we've begun some "managed retreat", which is naturally contentious when it's your house.
We can only afford this because of my remote tech worker salary. My neighbors aren't as privileged.
The state could contribute more funds to these efforts, helping property owners reduce the fuels around their homes and improve defensible space.
These houses would most likely be a lot more expensive to build but could be offset by surviving wildfires. Additionally if these houses are buiild with thicker walls they can retain heat in winter and remain cool enough in summer that air-conditioning is less needed.
[1] https://www.nytimes.com/2021/11/12/realestate/disaster-proof...
The classification of fire-resistant is usually 30/60/90/120 minutes, meaning that the structure should not collapse before that time, but norms say nothing of the residual structure integrity, and the cost of inspecting, assessing and repairing a structure affected by a fire can in many cases exceed the cost of re-building it from the ground up.
Set aside wood/timber, the other three common construction methods, steel, reinforced concrete and brick/stone masonry are all affected by the heat of a (large) fire (in the case of masonry it is the mortar that loses some of its properties), i.e. the structure won't have the same strength as before.
I have sympathy for anyone who has lived through a disaster because I have as well.
The only feeling I had after my disaster was that I wish my government was better funded and more well run because the haphazard mess we have now is wildly dysfunctional. That and a little anxiety but it gets better.
Don’t live in the west in the mountains if you aren’t prepared for wildfires. It’s beautiful, sure, but it is wildly unsustainable. You are more or less on your own.
Favour the ones that openly support coastal policies. You get to keep living where you want, at considerable cost, if you say what we want. Hey, it could even be a paradise in those mountains, put in some kind of high speed rail for quick access to a nice golf course nearby, drum up some business and let some big deals take place there.
Literally what made you believe I was bothered at all? Was just noticing something, then commenting on it. Isn't that exactly what a forum is for?
* Los Angeles Basin estimated population - 13 million
* Plumas County 2020 regional population - 19,790
and for YNews interest, there is something odd about that one county
Here is an excerpt from notes on the Planet Explore 2022 event Day 1:
The first section featured Will Marshall, co-founder and astro-geek. Will's stage performance was not bad, considering he had 20 long minutes of rehearsed script to read on stage, alone to a camera. The one odd thing I would call out is that the co-founder of Planet, on stage, in a perfectly scripted and rehearsed presentation, mysteriously misnamed the California county that "requested imaging from Planet." (the county was named Plymouth by Will, but there is no Plymouth County here.. the real name is Plumas perhaps? for the Dixie fire?) Speaking of the Dixie fire .....
edited for brevity