As a climate refugee from Paradise, CA, I agree. The insurance rates tripled between 2018 and 2020.
I think this is unfair and un-business-wise in another sense because it fails to account for regional and local risks. Here's the best all risk estimate map by the US government[0].
Many locations shouldn't be occupied, while Alpine and Sierra counties are low risk. Switch to census tract view, and it's clear there are many low risk in Sacramento/Citrus Heights away from fires and floods (downtown by the river floods). There are also pockets of low risk around San Diego and randomly around semi-populated areas.
I think this is unfair and un-business-wise in another sense because it fails to account for regional and local risks. Here's the best all risk estimate map by the US government[0].
0: https://hazards.fema.gov/nri/map
Many locations shouldn't be occupied, while Alpine and Sierra counties are low risk. Switch to census tract view, and it's clear there are many low risk in Sacramento/Citrus Heights away from fires and floods (downtown by the river floods). There are also pockets of low risk around San Diego and randomly around semi-populated areas.