Climate change is causing an increase in wildfires in the western United States, leading to Homeowners in wildfire-prone areas losing their insurance coverage. As conditions get warmer and drier, fires are burning over larger areas and scorching places once considered low-risk. This has resulted in billions of dollars in property damage and has contributed to the destabilization of the homeowners insurance market. Attempts to control pricing, such as California's regulation based on past damages, have backfired, causing insurance companies to stop selling new policies and drop existing ones. Homeowners are finding it difficult to find alternative coverage.

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