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>Another concern is Texas, partly because of increased development on the fringes of metropolitan areas stemming from migration from California, the report said.

The California part makes sense to me because of fires, but this sentence about Texas seems super vague to me. There aren’t any new natural disasters in TX, why does increased migration from CA affect insurance rates in TX?

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California needs to let insurers assess risk of people a lot more. I live in wildfire country (seriously, there are 40' char marks on trees I can see from where I type this right now) and I have one neighbor who's the captain of the fire department his property is the most fire-hardened you've ever seen. I have another neighbor who's an old guy who can't keep up with his property, it's a tinder box over there. They pay the same in fire insurance premiums because we're all on the state plan and they can't charge riskier people more money.

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