California E&S Insurance

Lots of areas do present a major disaster risk. Insurance Companies have trouble reserving for major systematic events.  Major Earthquakes happen in dense cities (SF and LA).  Major fires happen in suburban areas (Santa Rosa 2017, San Diego 2003, Oakland 1991) In the brief ArkStorm wiki page, it also didn't talk about how our reservoirs would mitigate any of that and how much advanced warning we would have of a potential Arkstorm event which would allow water to be released in advance. The central valley used to flood every spring before reservoirs, so this aspect needs clarification.

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