未来能源研究所：2024面对野火保险挑战：国家洪水保险计划的五个教训报告（英文版）

Over the past decade, wildfires have become more frequent and damaging in the western United States, leading to unprecedented financial losses and significant challenges for the insurance market in affected areas, especially in California. Several major insurers have stopped writing policies for new clients in California, at least temporarily. Homeowners in high-risk areas face soaring insurance premiums and increasing insurer-initiated nonrenewals. In this report, we look at the long experie