The cruel reality of living through a moment of catastrophic change is that the knowledge of how many other people are also living through it offers no comfort. It is happening to you: Your house is gone. Your father's paintings are gone. Your hundreds of hours of footage, meant to be your film, gone. Your family's efforts, across a whole generation, to establish financial stability, literally up in smoke. That this is also happening to other people is awful. As is knowing that it will almost certainly happen again.
The way places such as California prepare for these fires has to change, or more neighborhoods will end up in ruins. Insurance is meant to insulate people from bearing the costs of extraordinary events, but those are becoming ordinary enough that private insurers have been leaving California. The state's FAIR Plan, a pooled insurance plan of last resort, is oversubscribed, and may not be able to cover the next disaster adequately.
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