I have heard of people who don't even live in fire zones who are being dropped if they don't have all sorts of upgrades from plumbing to newer roofs to fixing the sidewalks (even if it is city owned) to trimming trees (even if they are city trees) to major mandatory increases in deductibles and so on. It sounds like insurers just want out of California due to all the various potential losses from earthquakes to fires to floods to improper maintenance by cities to theft and crime. The state of California is going to have to step in.