There's always going to be risk, that what the insurance is for. But some people don't buy the insurance and then sue the government expecting them to pay the bill, that's where the problem lies.

I'm not sure if the problem exists with these fires but we had problems like this when a river flooded and most of the people on the flood plain didn't bother to buy flood insureance since it had been a couple decades since the river flooded. So they sued the state saying they weren't adequately informed.

I feel sorry for the people who loose their homes I hope the insurance gets them a nice new house.

For the ones without insurance complaining that the rest of us should give them our tax money to bail them out, they've got nobody but themselves to blame for ignoring warnings.