What drives up homeowners insurance costs in wildfire zones in California and how does it affect my mortgage approval today?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What drives up homeowners insurance costs in wildfire zones in California and how does it affect my mortgage approval today?
2 real searches · 1 real-search pass
California homeowners insurance wildfire 2026 premiums insurer availability FAIR Plan latest mortgage lender insurance requirements 2026Google ↗
OBSERVEDComparison
California Department of Insurance wildfire insurance premiums FAIR Plan 2026 homeowners insurance mortgage lender requirements debt to incomeGoogle ↗
OBSERVEDComparison
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
California homeowners insurance wildfire 2026 premiums insurer availability FAIR Plan latest mortgage lender insurance requirements 2026 Google ↗
California Department of Insurance wildfire insurance premiums FAIR Plan 2026 homeowners insurance mortgage lender requirements debt to income Google ↗
- California’s home insurance crisis spreads beyond wildfire country · news.stanford.edu
- Map shows how much home insurance rates have risen in every California ZIP code · sfchronicle.com
- HPS · interactive.web.insurance.ca.gov
- Top Ten Tips for Finding Residential Ins · insurance.ca.gov
- Fannie Mae Selling Guide March 4, 2026 · singlefamily.fanniemae.com
- General Property Insurance Requirements for All Property Types · selling-guide.fanniemae.com
- Evidence of Property Insurance · selling-guide.fanniemae.com
- Major California home insurers move to reopen for new business, including state’s largest insurer · insurance.ca.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
California homeowners insurance wildfire 2026 premiums insurer availability FAIR Plan latest mortgage lender insurance requirements 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
California Department of Insurance wildfire insurance premiums FAIR Plan 2026 homeowners insurance mortgage lender requirements debt to income OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |