California’s worsening wildfire crisis is pushing major insurance companies like Farmers and State Farm to the brink, with Farmers reporting nearly $1 billion in losses. This comes after California’s insurance regulators blocked State Farm’s attempt to raise rates by 22% to stay solvent. The state’s strict policies and refusal to acknowledge risk realities have driven insurers away, leaving residents scrambling for coverage under the expensive and limited Fair Plan. Years of Democrat-led environmental mismanagement, including restrictions on wildfire mitigation, have worsened the crisis. With insurance carriers pulling out, homeowners face skyrocketing premiums or outright policy cancellations, further destabilizing the housing market. Now, state leaders are floating radical rebuilding measures, like self-certification of home construction, bypassing traditional inspections and permitting—raising concerns about safety, corruption, and future insurability. California’s leadership continues to place ideology over practical governance, jeopardizing homeowners and businesses alike.