A recent rule change could cause a spike in insurance premium for homeowners across California, as the costs of the Los Angeles area wildfires are passed onto them in a way that was not allowed in the past.

An insurance pool created by officials in California to help residents in wildfire-prone areas could frustrate victims of the L.A. wildfire.

A growing number of homeowners nationwide are being dropped by insurance companies as firms and regulators struggle to deal with the unpredictable and costly risks of climate disasters. Nonrenewal notices surged by nearly 30 percent from 2018 to 2022 to more than 620,