State’s homeowners face spiraling costs as insurers account for wildfire risk

IN HARD-HIT NAPA Valley, which has burned multiple times this last decade, successful winemakers and longtime residents are weighing their options to rebuild or move out entirely simply by looking at their property insurance policies.

“They just can’t get insurance,” said Democratic state Sen. Bill Dodd, whose district spans the region’s celebrated vineyards. “Or the insurance is so expensive that there is no way they could ever afford that kind of coverage.”