
How Wildfire Risk Maps Became California's Insurance Price Tag
Cal Fire's hazard zones, catastrophe modeling and probable-maximum-loss scores now decide who can buy coverage — and at what premium.
Housing covers California's defining issue practically: markets, development, tenancy rules and what homes cost to live in after move-in day.
CA housing market, affordability, zoning/SB 9-type reforms, rents, insurance crisis — top advertiser vertical

Cal Fire's hazard zones, catastrophe modeling and probable-maximum-loss scores now decide who can buy coverage — and at what premium.

The state's rental market runs half-empty relative to the nation's — and every reading of rents, concessions and stability follows from it.

The 2021 opt-in law permits up to ten homes per parcel around transit — a quiet test of whether cities want density or just tolerate it.

Escrow fees, title insurance, transfer taxes and ULA surcharges — the 2 to 5 percent of the price nobody budgets for.

The 2021 law allows urban lot splits and duplexes by right — but objective standards and local resistance have kept uptake low.

Five percent plus inflation, capped at 10 — the 2019 law limits rent increases and no-fault evictions for most multifamily units.

Permits rose from about 1,200 a year in 2016 to more than 20,000 as state law stripped cities of the power to say no.

When no carrier will write a policy, the state's backstop plan does — and after the 2025 fires, the whole market now shares its losses.

A 1 percent cap, a 2 percent assessment ceiling, and reassessment on sale — the 1978 rules still set every California tax bill.

The statewide median hit $850,680 in December 2025 per C.A.R. — but the number describes transactions, not houses.