California temporarily banned insurance companies on Thursday from dropping customers in areas affected by recent wildfires, a day after evacuation orders were lifted for residents near a two-week-old blaze that’s become the largest in the state so far this year.
Several days of sporadic rain helped firefighters reach 60% containment on the Mosquito fire in the Sierra foothills about 110 miles (177km) north-east of San Francisco. At least 78 homes and other structures have been destroyed since flames broke out 6 September and charred forestland across Placer and El Dorado counties.
Sheriff’s officials in both counties announced on Wednesday they were lifting the last of the evacuation orders that during the fire’s height kept some 11,000 people out of their homes.
Total containment of the 120sq mile (310sq km) Mosquito fire is expected around 15 October.
Last week the blaze surpassed the size of the previous largest conflagration in 2022 – the McKinney fire – although this season has seen a fraction of last year’s wildfire activity so far.
California’s insurance commissioner, Ricardo Lara, invoked a law on Thursday aimed at protecting homeowners in the wildfire-plagued state who say they are being pushed out of the commercial insurance market.
Lara ordered insurance companies to preserve residential insurance for one year for Californians who live near one of several major wildfires that have burned across the state in recent weeks.
California’s department of insurance estimates the moratorium will affect policies covering about 236,000 people in portions of Placer, El Dorado and Riverside counties.
“Wildfires are devastating even if you did not lose your home, so it is absolutely critical to give people breathing room after a disaster. This is not the time to be having to search for insurance,” Lara said in a statement.
The law was implemented in 2019, when more than 15 major wildfires burned homes across the state.
Scientists say climate change has made the west warmer and drier over the last three decades and will continue to make weather more extreme and wildfires more frequent and destructive. In the last five years, California has experienced the largest and most destructive fires in its history.