I live in Pioneer California, basically between Sacramento and Lake Tahoe. I've lived here 5 years and have evacuated 2 times and been ready to several others.
We could get into politics easily here, but most of us know where the problem lies......as for insurance, in fire zones you haven't been able to get "Fire" insurance since before 2020. This part is not new to Northern California. It breaks down like this.........you get Fire insurance from the California Fair Act plan - ours is roughly $4500 a year. You then get standard Homeowners insurance from various insurance groups as normal. California, (and most states I assume) have fire zones much like Hawaii has lava zones. Prices are set by that.....yes, it all sucks.