未来能源研究所：2024野火保险面临挑战：美国国家洪水保险计划的五大教训分析报告（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.