The volume and size of these claims underscore the ongoing challenges faced by the California homeowners’ insurance market. Wildfires have driven significant losses for insurers over the past decade, with severe events increasingly linked to climate change, higher temperatures, and extended drought conditions. These losses have influenced coverage availability, premium pricing, and risk mitigation strategies. Insurers continue to focus on maintaining financial strength to ensure claims can be paid promptly, while also encouraging homeowners to adopt preventative measures, including defensible space, fire-resistant building materials, and fire mitigation upgrades.