California E&S Insurance

Nah, the Alta Sierra & Lake Wildwood neighborhoods always have more houses for sale than the rest of the area. Nothing unusual there, no mass exodus either. New wildfire policies are 'mostly through the Fair plan, yeah, but not exclusively. There's also a huge range in costs. Rural property can run like 10k / annual at the higher end of what I've heard. My plan in town is $700 / yr. You can look at the topography of the neighborhood on google earth and get an idea of risk, or google for climate risk mapper. There's a good one out there, can't recall the name. Basically, steep & brushy = danger. Overall, Nevada County (like most counties) has not done anywhere near enough to thin out the forests. It seems like a matter of time before the whole-assed Deer Creek drainage goes up in flames. That whole area needs to be mulched down. I wouldn't live anywhere wooded in this county. Stick with open & grassy or in town w/ fire rated materials and keep anything at all flamable 5-10' away from the house.

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