California E&S Insurance

Am I ready ? What next ? We are in IT ~ 50, with 2 kids below 10. We are in Seattle. Using a throw-away account. My target was 7.5M for a ~200k per year income (using www.FIRECalc.com ). I'm now at 9M, thanks to recent stock run in my Trading a/c + 401k. The Trading account is now all cash, taxes paid. My wife has her own 401k, substantial savings, 529 for kids, that I'm not counting. House, around 1M, is paid off. We’ve been spending between 100 and 120k last 6 years, including 25k+ a year for nannies. Instead we’d get health insurance. Current job has good work/life balance so I'd actually make the move only after Covid is under control - so, probably not this summer. So, looks like I'm ready - anything I'm missing ? Well, there is one thing. Since I've got tired of the rain, I want to move to a warmer place. But because of kids, I want to move to a safe place with good public schools. I was also hoping to move to a place which has similar or lower home prices compared to Seattle area. I was earlier thinking about Texas, but I'm having second thoughts after the Jan 6th events. The ease with which the mob could overrun what I'd think of as one of the safest places on earth has shaken the feeling of "it can't happen here". Since we are Asian, I now think its better to move to a place that is relatively safe for POC. So, CA and Hawaii are on top of my list now. Florida seems risky because of frequent flooding / hurricanes. We still need a large house with multiple beds/baths etc. Are there places in California / Hawaii where the schools are good and the home prices not too high ? Searches aren't giving the results I'm looking for. One place I'm considering is Sacramento, but I'd prefer So Cal nearer to the ocean. Looks like I have to pay $1M more for the type of house I want in So Cal / Hawaii, I wonder whether I would need to postpone my FatFire. edit : Thanks for all the comments. I'll start looking at SoCal, Florida and Hawaii. Its also clear I've to up my budget to 2M for a decent house in SoCal/Hawaii. On reflection, I think, Sacramento/Austin might have been good places if I wanted to continue to work, but not on top of my list now.

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  "title": "Am I ready ? What next ?",
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