Thousands of homes burned to the ground in the recent wildfires in Los Angeles which will likely become the most expensive natural disaster in US history.

Many victims did not have insurance, because they couldn’t afford California’s increasingly expensive policies or because they were dropped by their insurer.

Lexy O’Connor meets some of those affected and finds out what’s fuelling California’s insurance crisis.

Presented and produced by Lexy O'Connor

(Image: Two people survey the damage during the Eaton Fire in Altadena, California on 8 January 2025. Credit: Getty Images)