What is the average cost of homeowners insurance in high wildfire risk areas of California right now and which companies are still writing new policies?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the average cost of homeowners insurance in high wildfire risk areas of California right now and which companies are still writing new policies?
1 real search · 1 real-search pass
California high wildfire risk homeowners insurance average premium 2026 FAIR Plan cost insurers writing new policies wildfire risk California 2026Google ↗
OBSERVEDConsequence
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 (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
California high wildfire risk homeowners insurance average premium 2026 FAIR Plan cost insurers writing new policies wildfire risk California 2026 Google ↗
- Enhancing California's Resiliency to Natural Catastrophes Senate Bill 254 (2025) Study Report · autl.assembly.ca.gov
- Map shows California home insurance rate increases per ZIP code · sfchronicle.com
- California FAIR Plan insurance can range from $92 to $32,000. This map shows costs by ZIP code · sfchronicle.com
- California FAIR Plan to hike home insurance rates 29%. Map shows where · sfchronicle.com
- HPS · interactive.web.insurance.ca.gov
- Insurance surge expanding options for Californians in wildfire distressed areas · insurance.ca.gov
- California’s second largest home insurer joins Sustainable Insurance Strategy · insurance.ca.gov
- CA Home Insurance Availability Tracker · cainsurancetracker.com
- Major California home insurers move to reopen for new business, including state’s largest insurer · insurance.ca.gov
- State Farm to write first new home insurance policies since 2023 · sfchronicle.com
- Major California home insurer plans to write new policies for first time since 2022 · sfchronicle.com
- California Department of Insurance – Home Insurance Finder · insurance.ca.gov
- California Homeowners Insurance Comparison Tool · interactive.web.insurance.ca.gov