Wildfires
Blog
Why is the California government so lousy at battling wildfires?
My recent trip to Malibu from LAX was my first post-wildfire drive through the Pacific Palisades and, my goodness, there’s nothing like seeing something with one’s own eyes to grasp the enormity of the devastation. The obliterated hulks along Pacific Coast Highway 21 months after the tragedy raises multiple issues, ...
Blog
California homeowners’ underinsurance and how to fix it
Mandate Guaranteed Replacement Cost Instead of allowing insurance companies to underwrite an amount determined in advance, why not force them to sell insurance that guarantees replacement no matter what the cost? It is important to understand why this is a very bad idea that would make consumers worse off. The ...
Blog
Why Karen Bass is in Big Trouble in LA Mayor’s Race
It’s been a difficult re-election campaign for Los Angeles Mayor Karen Bass to say the least. Now comes word that, despite holding narrow yet unimpressive leads in the primary election and public opinion polling throughout the campaign to date, Bass is now trailing Democratic socialist challenger Nithya Raman by 11 ...
Blog
Homeowners’ underinsurance and why it happens
In the aftermath of the 2025 Palisades and Eaton fires, thousands of homeowners learned a terrible fact that compounded their tragedy. Although they had intended to insure themselves sufficiently to rebuild, their coverage was inadequate to the need. This hidden problem was brilliantly described and analyzed in the series, “Burned,” ...
Blog
California’s home insurance market: Political trouble on the horizon
California’s long-distorted insurance market reached a level of dysfunction in 2023 that had tangible consequences for average homeowners. Following a series of costly wildfires, they struggled to find insurance, faced soaring prices and, in many cases, had no choice but to turn to the overburdened, state-created insurer of last resort, ...
Book
New PRI Booklet: California Insurance Crisis Is a Regulatory Crisis — and Next Insurance Commissioner Could Determine What Comes Next
SACRAMENTO – Following the collapse of Gov. Gavin Newsom’s push for legislation addressing wildfire liability, a new Pacific Research Institute booklet warns California policymakers against responding to the state’s continuing wildfire and insurance challenges by reversing regulatory reforms that are finally showing signs of restoring competition and coverage. The warning ...
Blog
Who should be liable when utility equipment sparks wildfires?
Who should be liable when utility equipment sparks wildfires? by Kerry Jackson | August 21, 2026 California utilities have been responsible for more than 1 million acres of scorched land. Power lines and other equipment, often outdated, have caused thousands of wildfires. Last year’s Eaton Fire in Los Angeles County for instance, ...
Blog
California Governor Candidate Becerra’s Price Controls Would Backfire on Families
At a recent California gubernatorial debate, former Attorney General Xavier Becerra was asked which specific cost, gas, groceries, utilities, or childcare, would he lower first as governor. He answered: “…one of the things that I will do immediately is I will freeze utility rates, and I will freeze home insurance ...
California
Addressing California’s Insurance Crisis
From PRI’s 2026 California Ideas in Action Conference, hear Free Cities Center director Steven Greenhut moderate a panel with some of the state’s top policy insiders and elected officials exploring the ongoing challenges facing Californias insurance industry, which were exacerbated by last year’s Southern California wildfires.
Blog
Failed Los Angeles fire recovery proves need for self-governance
But why? In Los Angeles, and the rest of the state’s major cities, the public sector has become the city’s dominant political force, drowning out the votes and priorities of everyday citizens. With this imbalance making local politics an often-forgone conclusion, it’s time to consider a possible reform that could restore the competitive ...
Why is the California government so lousy at battling wildfires?
My recent trip to Malibu from LAX was my first post-wildfire drive through the Pacific Palisades and, my goodness, there’s nothing like seeing something with one’s own eyes to grasp the enormity of the devastation. The obliterated hulks along Pacific Coast Highway 21 months after the tragedy raises multiple issues, ...
California homeowners’ underinsurance and how to fix it
Mandate Guaranteed Replacement Cost Instead of allowing insurance companies to underwrite an amount determined in advance, why not force them to sell insurance that guarantees replacement no matter what the cost? It is important to understand why this is a very bad idea that would make consumers worse off. The ...
Why Karen Bass is in Big Trouble in LA Mayor’s Race
It’s been a difficult re-election campaign for Los Angeles Mayor Karen Bass to say the least. Now comes word that, despite holding narrow yet unimpressive leads in the primary election and public opinion polling throughout the campaign to date, Bass is now trailing Democratic socialist challenger Nithya Raman by 11 ...
Homeowners’ underinsurance and why it happens
In the aftermath of the 2025 Palisades and Eaton fires, thousands of homeowners learned a terrible fact that compounded their tragedy. Although they had intended to insure themselves sufficiently to rebuild, their coverage was inadequate to the need. This hidden problem was brilliantly described and analyzed in the series, “Burned,” ...
California’s home insurance market: Political trouble on the horizon
California’s long-distorted insurance market reached a level of dysfunction in 2023 that had tangible consequences for average homeowners. Following a series of costly wildfires, they struggled to find insurance, faced soaring prices and, in many cases, had no choice but to turn to the overburdened, state-created insurer of last resort, ...
New PRI Booklet: California Insurance Crisis Is a Regulatory Crisis — and Next Insurance Commissioner Could Determine What Comes Next
SACRAMENTO – Following the collapse of Gov. Gavin Newsom’s push for legislation addressing wildfire liability, a new Pacific Research Institute booklet warns California policymakers against responding to the state’s continuing wildfire and insurance challenges by reversing regulatory reforms that are finally showing signs of restoring competition and coverage. The warning ...
Who should be liable when utility equipment sparks wildfires?
Who should be liable when utility equipment sparks wildfires? by Kerry Jackson | August 21, 2026 California utilities have been responsible for more than 1 million acres of scorched land. Power lines and other equipment, often outdated, have caused thousands of wildfires. Last year’s Eaton Fire in Los Angeles County for instance, ...
California Governor Candidate Becerra’s Price Controls Would Backfire on Families
At a recent California gubernatorial debate, former Attorney General Xavier Becerra was asked which specific cost, gas, groceries, utilities, or childcare, would he lower first as governor. He answered: “…one of the things that I will do immediately is I will freeze utility rates, and I will freeze home insurance ...
Addressing California’s Insurance Crisis
From PRI’s 2026 California Ideas in Action Conference, hear Free Cities Center director Steven Greenhut moderate a panel with some of the state’s top policy insiders and elected officials exploring the ongoing challenges facing Californias insurance industry, which were exacerbated by last year’s Southern California wildfires.
Failed Los Angeles fire recovery proves need for self-governance
But why? In Los Angeles, and the rest of the state’s major cities, the public sector has become the city’s dominant political force, drowning out the votes and priorities of everyday citizens. With this imbalance making local politics an often-forgone conclusion, it’s time to consider a possible reform that could restore the competitive ...