加利福尼亚的野火摧毁了16 000个建筑,引发了有关保险条例和风险管理的辩论。 California wildfires destroyed 16,000 structures, sparking debates on insurance regulations and risk management.

加利福尼亚最近的野火摧毁了16 000座建筑,价值2 750亿美元,凸显了风险管理方面的问题。 California's recent wildfires destroyed 16,000 structures valued at $275 billion, underscoring issues with risk management. 批评者认为,严格的保险条例保持低保费,鼓励在易发生野火的地区建房。 Critics argue that strict insurance regulations keep premiums low, encouraging building in wildfire-prone areas. 作者建议允许承保人根据实际风险确定保险费,这可以激励社区采取更安全的建筑做法和减轻风险战略。 Authors suggest allowing insurers to set premiums based on actual risks could motivate communities to adopt safer building practices and mitigation strategies. 强调历史承保人通过改善建筑减少火灾风险的努力是未来解决方案的潜在模式。 Historical insurer efforts in reducing fire risks through construction improvements are highlighted as a potential model for future solutions.