Losses from the Los Angeles fires threatened to deepen a crisis that has already left hundreds of thousands of Californians struggling to find and keep affordable homeowners insurance. A major concern out of the destruction is not just the people without insurance,

State Farm and Allstate stopped offering new homeowner policies in the state in 2023, but the market may be too big to exit entirely, experts say.

As wildfires in California have worsened in recent years, some insurers have said they're done covering the damage.