Burned and uninsured: Wildfires are leaving California’s housing market in trouble

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After the 2018 Camp Fire – the deadliest wildfire in California’s history – engulfed Michael and Kristy Daneau’s Paradise home, the couple and their four daughters were forced to move 30 miles away to find a home they could afford.

They moved to Cohasset to buy a home with money they received through their insurance claim and their portion of an $11 billion Pacific Gas & Electric settlement with insurance companies for the blazes linked to its equipment failure. Six years later, the family’s experiencing déjà vu: Their new home in the rocky region of northern California recently burned down to the studs in the 2024 Park Fire, the fourth largest fire in the state’s history.

Plan, a private association created by the state as a last-resort insurer for those being denied plans. The California Plan. What was first an affordable solution became far too expensive by 2022, when they told CNN the plan would have cost them $12,000 with a $7,000 down payment and a $4,000 payment in the next month. “The first year, it seemed okay … the second year it went up to where it stung a bit.

 

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