California will require insurance companies to offer coverage in wildfire zones (at a cost to consumers)

[SWBTATTReg]

1. Just curious, how much of Calif's geographical area is prone to fire dangers? I imagine quite a bit, being that

a lot of the terrain in Calif is pretty hilly, thus harder to get to, to fight fires etc.

What a mess. I guess the Insurance Industry is trying to change the impact of such fires by driving insurance costs up so much, that no one can eventually afford to build in Calif., but what about those people that have been long-term residents of Calif., and their structures have survived for the longest time already?

Are there any 'success' stories in Calif. w/ regards to 'fire policy'? Kind of like FL and their hurricanes. I know that some advocate not to build in prone areas, but what do they do w/ those people that have been in some areas for generations? Have they been biting the bullet and paying the insurance for decades, generations, for a long time? I imagine possibly, since their farms, ranches, etc. are worth a heck of a lot more in today's money.