New York Times: As wildfires burn homes across California, the state is also grappling with a different kind of climate predicament: How to stop insurers from abandoning fire-prone areas, leaving countless homeowners at risk.

Years of megafires have caused huge losses for insurance companies, a problem so severe that, last year, California temporarily banned insurers from canceling policies on some 800,000 homes in or near risky parts of the state. However, that ban is about expire and can’t be renewed, and a recent plan to deal with the problem fell apart in a clash between insurers and consumer advocates.

Insurers are widely expected to continue their retreat, potentially devastating the housing market if homes become essentially uninsurable.

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“My main concern is those folks in the W.U.I., who are having a very difficult time getting insurance,” said State Senator Susan Rubio, who represents the southeastern part of Los Angeles County and was one of the bill’s authors. “To do nothing, that’s just not an option.”