Comment by hedora

That's also not true. Home insurance in rural areas is insanely expensive, assuming you can get it at all. The insurance companies explicitly refuse to subsidize high-risk houses with low risk premiums. This is why it's also becoming unaffordable / impossible to get flood insurance in parts of Mountain View / East Palo Alto.

On top of that the California state government has allowed the insurance cartel to form an artificial monopoly, and then funnel new plans into it, where they can charge a large multiple of fair market rates to homeowners (due to their monopoly status, and the fact that they're an association that was formed by the companies that conspired to refuse to cover the house). Of course, they provide terrible customer service and refuse to pay out after natural disasters.

Here's their web site:

https://www.cfpnet.com