Loss of more than 3,000 homes in CA fires WILL affect you no matter where you live. This is because the reserves of insurance companies are not set up to withstand this much in claims at one time. Your rates may go up in high risk areas, insurance will be harder to get, and you can blame environmentalists and their "save every dead leaf" policies. Read John Fund in today's Journal; the first and only main media to point the finger exactly where the finger should be pointed.