加利福尼亚的房主改善了消防安全,但保险公司尽管作出了努力,仍收取高额保险费。 California homeowners improve fire safety, but insurers still charge high premiums despite efforts.

加利福尼亚社区正在通过改造房屋和清除植被来增强防火能力, 但承保人并没有降低保险费, California communities are strengthening fire resilience by retrofitting homes and clearing vegetation, yet insurers aren’t lowering premiums despite these efforts. 随着气候驱动的野火增加,许多房主面临取消或负担不起的政策,保险公司仍然依赖历史风险数据,而不是目前的缓解进展。 As climate-driven wildfires increase, many homeowners face canceled or unaffordable policies, with insurers still relying on historical risk data rather than current mitigation progress. 倡导者敦促进行改革,将防火做法与降低成本挂钩,但系统变革仍然缓慢。 Advocates urge reforms to link fire-safe practices to lower costs, but systemic change remains slow.