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...