Wildfires are a recurring nightmare in California, but according to David Gritz, co-founder of InsurTech NY, resilience is possible if we rethink how we build, insure, and regulate. 

California’s wildfires are a stark reminder of the challenges posed by a climate impact, sprawling urban development, and inadequate infrastructure. With its semi-arid environment, extended droughts, and gusty winds like the Santa Anas, the region is primed for devastating fires. 

Yet, much of the damage could be mitigated by better preparation. Building with fire-resistant materials such as cement and steel, adopting wildfire-specific building codes, and maintaining defensible spaces around homes are critical steps in reducing risk. Wildfire preparedness isn’t just about individual choices—it’s about community-wide efforts to create resilient neighborhoods.

The state’s insurance market compounds the challenge. Regulatory hurdles make it difficult for insurers to adjust rates or enter the market, leading many to exit altogether. This leaves homeowners reliant on inadequate last-resort options like the FAIR Plan. To build a sustainable future, a multi-pronged approach is needed: streamlining regulations, increasing construction capacity, and encouraging technological innovation in insurance and risk management. Resilience is no longer optional—it’s a necessity for California’s survival in the face of escalating climate risks.