Drive up into the foothills east of Redding, past the last gas station with cell service, and you’ll see them – empty lots where houses used to stand, driveways that lead to nothing but a chimney and a mailbox. Some of those lots have been empty since 2018. Not because the owners gave up. Because nobody would insure what they wanted to rebuild.
For most of the last decade, that’s been the story of wildfire country in California. Homeowners with clean records and defensible space, dropped anyway. Whole zip codes redlined by carriers who decided the math no longer worked. And a question that’s followed every one of those empty lots: will the private insurance market ever come back, or is California stuck propping up its own backcountry forever?