Yeah, by everyone else being charged more for insurance, ultimately the market value of the homes in risky areas is being subsidized by people who don’t live somewhere insanely dangerous. I don’t say that to be negative about where anyone chooses to live. Only that increases to insurance from fire risk should be entirely or nearly added only to policies in those areas. Which would make the ongoing ownership costs higher and therefor the market value would fall accordingly. I know that’s like sacrilegious to mention the possibility that anyone could lose money on their home purchase. But why is everyone else losing the money for their choice of where to live?