.. like this ? https://en.wikipedia.org/wiki/Cerro_Grande_Fire
I really want this problem solved, because it's preventing us from managing forests in a way that's provably more sustainable than the current regime of putting everything out until there's a fire that destroys the entire forest ecosystem. It would be ironic if high insurance prices turned out to be the lever that restores a semblance of ecological balance. [1] Maybe there's a deal to implement sane forest management in exchange for reasonable insurance rates.
[0] https://www.outsideonline.com/outdoor-adventure/environment/...
[1] https://apnews.com/article/paradise-camp-fire-california-hom...
Folks that really don’t want to move can pay the elevated public backstop options or if their house is paid off, run the risk of total loss. The longer people wait to leave the worse off they will come out because their property values will go to zero. I’d be in favor of public funding to help people relocate.
If we get through it all, recreation and tourism can bounce back with lightweight infrastructure that doesn’t need to be defended, and some better engineered permanent infrastructure.
Am I way off base?