Rand兰德：2025年洛杉矶野火事件对风险缓释、损失赔偿及保险市场的影响报告（英文版）

On January 7, 2025, the Palisades Fire ignited in the Santa Monica mountains, driven by hurricane-force Santa Ana winds. Just hours later, the Eaton Fire ignited in Altadena. In total, both fires burned over 37,000 acres and destroyed over 16,000 structures. Combined, the fires were the second-deadliest and second-most destructive fire in California, superseded only by the 2018 Camp Fire.1 The fires hit an already fragile residential insurance market in the State and raised concerns about the