My main point is that if we face major natural disasters, we need to take action to mitigate their impact in the future. As a foreigner, it seems to me that Americans prioritize building cheap homes over constructing better and more resilient ones.
My main point is that if we face major natural disasters, we need to take action to mitigate their impact in the future. As a foreigner, it seems to me that Americans prioritize building cheap homes over constructing better and more resilient ones.
This is why prices are important - sometimes it's sensible to build cheaper houses without these safeties if the risk isn't there, but if the risk does exist then it needs to be priced right to provide that incentive.
People whine about insurances pulling out. All they want is for somebody else to pay for their risk. It's their choice to live in that area, they should bear the consequences. It's not like it is or has ever been a secret. Climate change is known for decades now. Many people just chose not to "believe" in it. Well, their choice, but now that sh* hits the fan, they shouldn't come whine that everything gets sprayed with poo.
Why do they get to pull out now when it's time to hold their end of the contract?
Everybody who is insured at the moment of course needs to be paid by the insurance under the terms they had agreed to. The insurances should not be allowed to "pull out" of this responsibility.
But what about the next year? If no insurance wants to offer you another term, especially not for those same conditions, then it's their choice to "pull out" in that sense.
I can see an argument for not writing new policies in an area. But I can also make an argument for allowing existing policyholders to renew -- maybe not at the previous rate, but at an appropriate rate for the risk.
As a matter of public policy, we ought to match the risk put on a homeowner with a mortgage by the bank with the risk assumed by the insurer when the homeowner pays their policies. Not let the insurance company lay the risk on the homeowner if they notice the risk has gone up before the loss is realised.
Alternatively, we need to start treating buildings insurance more like (UK) life cover: I took out decreasing life insurance when I took out my mortgage, it'll pay off the mortgage if I die. The amount of cover goes down every year to roughly match me paying off my mortgage. No matter what happens to my health in the meantime, if I keep paying the premiums then I keep the cover -- even if I wouldn't qualify for new cover.
Or maybe we need to say that if an insurance company declines to renew because they think the risk has risen too much, the customer should be allowed to claim on the expiring policy even if the house is still standing, because it's obviously worthless, and it's obviously due to a risk that was covered by the policy.
Your other proposals as extensions to yearly terms certainly go too far. Annual renewal policies are commonplace, and it should be well understood that there's no obligation on any party to continue it.
If we're going to have state intervention though (and it seems at least under suggestion, I've no idea how seriously, in CA) then rather than an insurer of last resort, we (or rather they) should consider what they actually want from their insurance.
But if the state regulator sets a maximum cap they wouldn’t be allowed to…
Maybe they didn't, and then the law or limits were imposed at a time when the insurance companies needed to increase the premiums to match the new risk. But if the law prevents them, then they have no other choice but to pull out. Why would they as a business stay if the risk is to great for the premiums they are allowed to charge? They certainly are not obligated to stay.
But it is possible that more private insurers in Florida, who have to adhere to state guidelines for how much they can raise premiums, will cancel policies after this year’s hurricanes, leading more people to turn to Citizens, Rappmund said. “When you don’t allow the price to be matched to the risk, then the private companies can’t make a business there and they retreat.”
Still, if fewer private insurers want to do business in Florida, Citizens would likely need to push for higher rates on its customers more and potentially even reworking what its policies cover, Rappmund told CNN.
More seriously, nowhere of course, but if the risk is manageable (a fluffy term to mean predictable and not too high) then you'll find an insurance that covers you. Those natural conditions are dynamic though, so where such insurance is available can be (and is) subject to change. Predictably so. Nobody will provide you with the same car insurance when your car is new compared to 40 years later (same car). Things change. If you don't want your insurance to change, negotiate a 40-year term. Forcing them is nuts.
Cars being on the move, makes that distinction much much more relevant
I was fixating on the opposition of goals in the car (if car doesn’t bend/deform, then death risk increases).
Crumple zones in cars exist under the assumption that they will not be occupied by humans. In a house, on the other hand, any place could have a person inside of it during an earthquake, meaning that basically the entire house would need to stand to avoid any human being hurt.
So the human surviving may come at the cost of more houses collapsing.
Plastic/non-linear deformation is intended in shear panels of steel connections and the core of well confined concrete beams/columns. The idea is to provide a lot of energy damping due to the nonlinear nature of the f*D hysteresis curve. This works long enough for the earthquake to go away and the people to get out of the building, at which point, you need a new building but hopefully no one has died.
Earthquakes are different and you'd need a house that stood anyway (though I'd guess most houses don't have a problem with earthquakes insofar as not collapsing on inhabitants, though they'd probably be damaged)
https://en.m.wikipedia.org/wiki/2023_Turkey%E2%80%93Syria_ea...
Did you know the most destructive wildfire in California history, the 2018 Camp Fire, destroyed 19,000 buildings but only caused 85 deaths? [1]
[1] https://oehha.ca.gov/sites/default/files/media/downloads/cli...
If you don't know what a parapet is, take a look up to the roofs on London's older buildings, the front wall rises up past the bottom of the roof. If there is a fire in the building then the parapet keeps the burning roof inside the footprint of the building rather than let it 'slide off' to set fire to the property on the other side of the street.
The parapet requirement did not extend to towns outside London, which makes me wonder why.
The answer to that is to see what goes on in the USA. After a natural disaster they just pick themselves up and keep going. Florida was obliterated in 2024 but nobody cared after a fortnight. Same with the current wild fires, nobody will care next week, it will be forgotten, even though having one's home destroyed might be considered deeply traumatic.
I think that the key to change is to not have too many natural disasters, ideally nobody has living memory of the last fire/flood/earthquake/pandemic/alien invasion/plague of locusts so that there is no point of reference or 'compassion fatigue'. Only then can there be a fair expectation of political will and the possibility of change.
Funny, I would have said the exact opposite. If people forget how bad things were, they seem more likely to repeat them.
Nazism, for one. And the rise in antivax sentiment - people today have never come across an iron lung, which is a testament to medical technology, but it means some silly opinions get way more traction than they should.
"Those who cannot remember the past are condemned to repeat it" - George Santayana
> "Those who cannot remember the past are condemned to repeat it" - George Santayana
I have expressed that idea with different attribution before now, but, on reflection, it is a 'trite quote' that can be trotted out far too easily!
That’s an huge exaggeration. FL was not obliterated in 2024.
Stats:
Total storms 18
Hurricanes 11
Major hurricanes (Cat. 3+) 5
Total fatalities 401
Total damage $128.072 billion
(Third-costliest tropical cyclone season on record)
128 billion dollars is equivalent to 200,000 homes, or even more, which does not represent total obliteration, however, if that level of devastation happened in the UK, the only comparison would be what the Luftwaffe did during WW2.
As of 2023, FL has over 10.4 million homes.
> however, if that level of devastation happened in the UK, the only comparison would be what the Luftwaffe did during WW2.
If you are referring to The Blitz, the numbers I have access to is that over 1.1 million homes and flats were destroyed in London alone.
That’s absolutely nuts.
It’s also a lot worse than the pure numbers suggest because the damage here is taking away actual built up stock, so capacity for generating future GDP. And the GDP in Florida includes a lot of economic activity used to rebuild after past damage.
And all of this without Miami even being flooded out of existence. Miami can’t even build dikes due to the porous ground it’s built on.
"Americans" is doing a lot of work in that sentence.
It would probably be more accurate to say "It seems to me that the history of American culture and economic systems have led to a system whose emergent behavior is to prioritize building cheap-but-easy-to-modify homes over constructing smaller-harder-to-modify-but-more-resilient ones."
Sure "we" need to take action, but the machine is very large and we are all very small gears in it. A twenty-something buying their first house doesn't have a magic wand to wave that will summon cinder block houses into being that don't physically exist. A builder who wants to build cinder block houses doesn't have a magic wand to rewrite city building codes that presume residential construction is mostly wood. A city council member who wants to modernize building codes doesn't have a magic wand to get enough constituents to prioritize this over housing costs, homelessness (but I repeat myself), jobs, etc.
Everyone's problems seem easy when you are very far away from them.
It's all considered disposable, much like strip malls.
I'm here in Eastern Europe and our buildings can withstand a lot of things.
> we need to take action to mitigate their impact in the future. As a foreigner, it seems to me that Americans prioritize building cheap homes over constructing better and more resilient ones.
As an European, it baffles me as well.
If this doesn't happen to "cheap" homes here, why does it happen in California, to rich people's houses?
When state actors even dabble in socialism disasters happen people die.
> In most cases, the Department of Insurance would be required to act on an insurance carrier’s rate request within 60 days, unless extensions are necessary.
> The proposed bill expedites the timelines laid out in Proposition 103, which requires insurance companies to have changes approved by the Department of Insurance and dictates how quickly the department must act on change requests.
> Critics fear that shortening approval timelines will allow insurance companies to jack-up premiums without room for public appeals and sufficient review by the Department of Insurance.
https://sfstandard.com/2024/05/30/california-insurance-crisi...
Obviously. Such a move by the government is just plain stupid.
> When state actors even dabble in socialism disasters happen people die.
No need to overgeneralize. Not every stupid move is immediately "socialism" and everything smart is "capitalism". It's obvious to every socialist that this move was stupid. In contrast, it's pretty clear that a purely market-based health system costs lives. Nobody is claiming though that "whenever societies dabble in capitalism it results in deaths". Pick your optimization target and then the right tool to reach that target. Sometimes that tool is to let prices regulate risk, sometimes it is laws to regulate risk, and sometimes it's something else entirely.
That was literally the take about insurance. And here we are, again.
Is it? Or is this post hoc rationalization? I really dislike playing the “both sides” card, even for a moment, but it’s hard to deny that there are questionable takes on both ends.
I agree with you that not every regulation equates to socialism, and it’s ridiculous to claim it is. However, the narrative of “insurance companies bad” is incredibly prevalent among left-leaning perspectives, and any regulation around insurance premiums tends to be automatically celebrated as a clear victory.
Ironically (because it's a free market argument), it’s a not-uncommon argument that if insurance companies can’t provide their services for no more than some arbitrarily-decided amount annually, they’re being inefficient or greedy and should go bankrupt and let a new competitor take the market.
Perhaps it is, I don't have enough insight to know. It's obvious (to me) that this is clearly over-simplifying things.
> Ironically (because it's a free market argument), it’s a not-uncommon argument that if insurance companies can’t provide their services for no more than some arbitrarily-decided amount annually, they’re being inefficient or greedy and should go bankrupt and let a new competitor take the market.
Is it actually a free market argument? Maybe it's not possible to provide that service at that price point. I'd think that the free market argument is that the price is already as low as possible, otherwise such a competitor would already exist and have outcompeted everybody. Such an argument has other issues though, like inertia, scaling effects, price-fixing and such, all of which are working against a free market though. Which is why a truly free market needs regulation, otherwise it ceases to be free.
> I really dislike playing the “both sides” card, even for a moment
Honest question: Why? I've found that reality is complicated. It's rare to find saints on "one side" and "pure evil" on the other. The truth is often times that there are many issues, many interests, many world views, and typically even more than two sides. Uncovering the truth usually requires avoiding partisanship and have an open mind about understanding the interests of every involved party. That necessarily leads to "both sides" arguments. Not common in hyper-polarized discourses, unfortunately.
You can spot it in this post, too.
> Is it actually a free market argument?
The argument is:
Large corporation A offers service B at price $C. $C is an extravagant amount, and is due to the greed and inefficiencies of A. A can only charge $C because of regulatory capture, or using capital to elbow out upstarts, or whatever other argument you want to assume (ie it's not a truly free market).
If A should leave the market (forcibly or not), company D can now flourish by offering B at $E, where $E is much less than $C. Because D doesn't have the inefficiencies and greed of A, everyone profits.
Seems like a pretty standard "free markets/Econ 101" argument to me.
> Honest question: Why?
Frequently it’s nothing more than a flimsy pretext for cowardice, a lack of knowledge, or simple indifference.
I don't disagree with you, many topics are complex. Generally though, people dislike those who refuse to take a stance even if it's a weakly-held one (thus Machiavelli's famous advice).
Hm I think I see what you mean. It's a free market argument that includes that some regulation is in place which keeps A in business and keeps D out of business.
But wouldn't the free market corollary then be to remove that regulation so the market can be more free? That's hardly the suggestion coming from the left-leaning perspective, which instead proposes to add more regulation. So the end-to-end argument (including s corollary for what to do) doesn't actually sound free market to me.
And it is not exactly "left" either. Rothbard was a right-libertarian, aka. libertarian capitalist or right-wing libertarian.
The amount of walls in Europe that you could punch a wall into is low enough that you shouldnt try.
I'm in Christchurch, 6.2 Earthquake in 2011 and wooden framed houses dealt with it pretty good - they flex - lots of the houses survived and are still used.
Just about anything old and bricky was a deathtrap (fortunately many were unoccupied because condemned after nearby 2010 Earthquake).
In areas where we don't have earthquakes, yeah, what's the problem?
Afaik, only Turkey and a small part of the Balkans is considered earthquake territory. And there's no fracking in Europe to induce minor manmade earthquakes either.
Despite being hit by earthquakes more often than other parts of Europe, usually only buildings and houses not built up to standard or old ones crumble, other buildings just shake and that's it. Of course, I do not know the exact risk of earthquakes in California and their intensity, but it's definitely possible to build earthquake resistant brick buildings
We don't get many earthquakes here though, we do get storm but it doesn't cause power outage at all.
While having unmanaged accumulated flammable brush
While having an empty reservoir under repair
While having the public water source unable to maintain water pressure for multiple hydrant usage
While having too few fire fighters dispatched in the area anyway
While having houses made out of wood
is it an ignorant take when the houses not made out of wood with their own watersource were able to withstand 100mph wind gusts and firestorm? it really really makes everyone else look ignorant
At some point the US really needs to do bit of cultural reform so they can start paying for all that low density development and the costs associated with it. So stuff can actually be maintained.
The City of LA has a lower per capita tax revenue than most large Texan and southern cities, largely due to property tax caps.
In lots of pictures from LA, there are green trees right beside burned out houses. The video in this NYT article is a great example: https://www.nytimes.com/live/2025/01/15/us/los-angeles-wildf...
One of the biggest problems are vents in the eves. Typically these vents have a single screen with a coarse mesh. Embers from fires easily pass through these vents, land on a surface, and start a fire.
Replacing the one coarse mesh with two or more layers of fine mesh significantly reduces the odds of an ember getting into the house.
This is a trivial improvement that dramatically increases survivability.
Notice that you said "Green trees don't easily burn." Coastal California has two seasons: green and brown. Brown is in the summer. Green is in the winer. Normally it rains in LA during December and January. It didn't rain this year, so brown continued.
Most of the fires aren't in what you'd think of as forests. It's chaparral. Low scrub, bushes, and grasses. It is mostly what you'd refer to as underbrush. The only way to "thin it out" would be to remove all the vegetation. This environment has evolved to periodically burn.
> Trees have evolved to survive fires as well.
Trees have two broad strategies for surviving fires. One is to resist fire. The quintessential example is a redwood. The other is to burn and regrow faster than anything else. The quintessential example is a blue gum. Eucalypts evolved to literally explode when they burn. The environment in The Palisades is much closer to the second than the first.
This environment is, by its nature, an environment that burns. Yes, we've needed to allow more frequent burning. Environmentalists have been arguing this for decades. The difficulties with these conversations in the US is the Republican party's actual definition of "thinning the underbrush" doesn't mean controlled burns. It means clearcutting forests.
> These fires are HOT and don't just catch houses on fire with little embers.
Yes, in fact they do spread by embers. This is why the fires jump several streets at a time. The wind blows embers, and those embers ignite further buildings before the fire front even reaches them. This is one reason why it is so hard to set up fire breaks during a high winds.
> The houses could be made fire-resistant, but making houses to be fire-resistant is going to be more expensive
Here's an example things that you can do to increase the fire survivability of your home: https://flash.org/mitigation/protect-your-eaves-soffits-vent...
> and storing more water
LA had plenty of water. It didn't have enough water pressure.
https://www.theguardian.com/us-news/2025/jan/08/los-angeles-...
I’m curious about how many others did that burned down too
But so far the ones highlighted had super obvious mitigations that its astounding to see were not more common