[HN Gopher] The Case for Letting Malibu Burn (1995)
       ___________________________________________________________________
        
       The Case for Letting Malibu Burn (1995)
        
       Author : pseudolus
       Score  : 117 points
       Date   : 2025-01-12 17:47 UTC (5 hours ago)
        
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 (TXT) w3m dump (longreads.com)
        
       | czhu12 wrote:
       | It certainly feels like the need for climate change adaptation
       | that's been foretold for years is starting to happen. There's
       | quite a bit of blame being thrown around regarding details like
       | how much water was in the reservoir and the DEI stance of the
       | fire chief, but does any of that really provide a sustainable
       | solution?
       | 
       | Maybe it's time to confront the fact that people can't continue
       | to live in those areas without substantial changes in the build
       | environment.
       | 
       | The tragic reality of climate change is that despite well
       | informed and well meaning people, no one actually wants to
       | meaningfully change their own lifestyle to adjust to the
       | consequences. Clear cutting trees for instance, can be a
       | preventative measure, but I'm sure home owners in the area would
       | protest the environmental impact, the loss of privacy, the change
       | in their lifestyle.
       | 
       | California has always been a state that, on paper, acknowledges
       | the severity of climate change, but thus far, has been fighting
       | tooth and nail to keep homes in wildfire prone areas. What I
       | worry about is that California chooses to create a public option
       | for homeowners insurance that is tax payer funded to subsidize at
       | risk homes, increasing costs for everyone else. To me this would
       | just be another form of climate change denial.
        
         | fliglr wrote:
         | Zoom out:
         | 
         | >But in gauging the longer-term trend of what's really
         | happening with the fires, it's necessary to go back much
         | further. Data derived from written records from Cal Fire and
         | the U.S. Forest Service dating back to 1919 show that
         | wildfires, far from increasing, have actually declined over the
         | last 100 years. And in fact the website of the National
         | Interagency Fire Center previously noted that fires were at
         | their very worst a century ago. (See data, research, and
         | methodology for this article.)
         | 
         | >The data on the overall, century-long trend suggest that most
         | of the 20th century represented an unusually low amount of
         | fire, and what we're seeing now is a return to the "normal"
         | levels of fire of the early 1900s.
         | 
         | https://future.com/why-california-burns-the-facts-behind-the...
        
           | Amezarak wrote:
           | Thanks for that link. The data also shows that, over a longer
           | (millennia) timescale, California is currently in a _wet_
           | period.
           | 
           | Context is very important. Climate change is a critical
           | issue, but solving it doesn't help California stop burning.
        
         | scarab92 wrote:
         | Climate change is real, but people are vastly overstating the
         | magnitude of its effect.
         | 
         | This is simply a fire prone region, and this was inevitably
         | going to occur at some point, with or without climate change.
         | 
         | The government should have been more prepared for that.
        
           | 01100011 wrote:
           | This. Fire is an integral part of CA ecosystems and the
           | native plant communities are dependent upon it. It does burn
           | more frequently thanks to man, but citing climate change as a
           | reason for the fires only makes you sound smart to the ill-
           | informed.
        
         | bsimpson wrote:
         | I'm from a swing state, where you get used to smart people
         | having conflicting opinions.
         | 
         | The people I know who don't embrace climate fear, recycling,
         | etc. always cite hypocrisy as their most salient motivation.
         | They see people like Al Gore and Leo di Caprio talking a big
         | game about a climate catastrophy and then using as much energy
         | as a whole village. They see their friends nitpick composting
         | and then buy single MPG trucks to go camping in. They see
         | cities rolling out fines for recycling badly and then
         | everything going into the same truck when the garbagemen come
         | by.
         | 
         | I don't think environmental activists realize the damage they
         | do to their case by not living by what they preach relentlessly
         | about. By being loudly critical of others without changing
         | their own behavior, they give denialism space to entrench.
         | 
         | "It can't be that bad if even the people who are mad don't seem
         | to actually care."
        
           | dullcrisp wrote:
           | > I don't think environmental activists realize the damage
           | they do to their case by not living by what they preach
           | relentlessly about.
           | 
           | The ones who do that probably don't care about their cause so
           | much as having a cause.
        
           | AshamedCaptain wrote:
           | Ah, the millennia old argument of "you cannot successfully
           | proselytize donating money to the poor unless you live like a
           | monk yourself".
        
             | daveguy wrote:
             | I am very in favor of climate change mitigations through
             | careful legislation and believe we are doing nowhere near
             | enough. But I think a closer analogy is "proselytizing
             | donating money without donating any money yourself" or in
             | the extreme of making the problem worse -- "proselytizing
             | donating money while robbing from the poor." That
             | proselytizing while making the problem worse is more a
             | problem with the proselytizer than the critic. But the
             | worst of all is making it worse and actively fighting
             | against remediation.
        
             | llm_trw wrote:
             | More like the decades old argument that if you keep getting
             | caught fucking men in toilet stalls being gay can't be all
             | that bad.
        
               | pempem wrote:
               | Is...that a decades old argument? Or is the argument: If
               | you're fucking men in toilet stalls, stop arresting other
               | men for doing the same and claiming no one should do
               | that. AKA the rule of law.
        
           | eastbound wrote:
           | I nitpick about little things like accuracy in scientific
           | studies (hear: blatant bias, even admitted by the authors),
           | and only one side of the opinion being funded for studies and
           | not the others.
           | 
           | I myself used to be a staunch vegan, surrounded by friends
           | who planned not to have kids. Well, they have kids now. That
           | triggered my will to study the original documents and find a
           | movement that is fundamentally dishonest.
           | 
           | The worst angst I have is, what if they were dishonest and
           | still right. That would be terrible.
        
           | virgildotcodes wrote:
           | Eh, as someone who's been vegan for a couple decades, ascetic
           | for a solid chunk of that time, and active in various other
           | ways to greater or lesser degrees, people will still shut
           | down mentally when they don't have the hypocrisy lever to
           | pull.
           | 
           | People in the reactionary/denialist/antagonistic camp will
           | just end with "okay yeah you're right but I'm not changing/I
           | don't actually care/I accept that I do evil and shrug".
           | 
           | People looking to inspire positive change being required to
           | be perfect saints lest they and their movements be condemned
           | seems like a hint that human psychology is not tuned to rise
           | to this occasion.
           | 
           | That expectation of perfection is unrealistic. Humans are
           | messy and bound to be hypocritical in countless ways.
           | 
           | The CEO of Phillip Morris may volunteer at the local
           | children's hospital and feed the homeless on weekends.
           | 
           | Yet his hypocrisy in doing good in his personal life while
           | doing so much harm in his professional life doesn't seem to
           | interfere with his ability to do harm, in fact it likely
           | helps.
           | 
           | The executive director of the nonprofit children's hospital
           | going out on weekends and beating stray dogs to death with a
           | pipe, well his hypocrisy may very well end his ability to do
           | good in his personal life.
           | 
           | It seems like we're just destined to let people who do bad
           | things without any pretense of doing good off the hook, while
           | crucifying anyone who dares try to do a moral good who isn't
           | somehow perfectly aligned in their lifestyle, ideology, and
           | entire life history. Despite the fact that the former may
           | represent a large net negative to our world and the latter
           | may represent a net positive.
           | 
           | TLDR: Even if the climate activists weren't hypocrites, your
           | friends would likely be no closer to embracing the terrible
           | reality of climate change and the necessity of painful
           | sacrifice to address it.
        
             | pm90 wrote:
             | Perfectly put. Personally I am quite amazed at people who
             | think this way. This is not adult level reasoning. It's not
             | something that will change by setting an example.
             | 
             | I just fear that large swathes of society are completely
             | oblivious to what it means to live in a liberal civil
             | society and how changes gets affected. The expectation of
             | perfection seems like a result of being
             | unfamiliar/unrealistic.
        
             | BlueTemplar wrote:
             | Historically, we do have examples of it working though :
             | 
             | https://www.astralcodexten.com/p/book-review-the-rise-of-
             | chr...
             | 
             | https://www.astralcodexten.com/p/the-early-christian-
             | strateg...
             | 
             | Though in our case it's a much harder issue :
             | 
             | How do you make and keep a powerful polity while staying
             | militarily weak ? (Tanks / planes / nukes not being an
             | option in a society that decided to de-industrialize.)
             | 
             | This also involves population : a post-industrial society,
             | is likely to have its military strength based on population
             | (like pre-industrial societies did, where agriculturalists
             | overwhelmed hunter-gatherers) : how do you keep your
             | population low without becoming weak ?
             | 
             | (Christian polities didn't exactly stay meek, more like the
             | opposite (after a while)...)
             | 
             | At least values can be transmitted memetically, without
             | genetical lineage, so keeping a stable national population
             | is probably the least unworkable issue as long as
             | immigration and assimilation are high enough...
        
           | pempem wrote:
           | If the only people we can find who are 'mad' are al gore and
           | leo dicaprio, I'd suggest we have a selection problem. There
           | are plenty of monks, ascetics, lawyers, product managers,
           | entrepreneurs, bankers and trad wives who care and are doing
           | quite a lot more than the average person.
           | 
           | Bad actors, uncommitted actors does not actually change the
           | problem's existence. In an adjacent example consider here in
           | LA. Before the fires, corruption in the homes for the
           | homeless got some decent air. It does not actually change the
           | need for homes for the homeless. Its been poorly implemented
           | and allowed to be exploited. That doesn't mean the homeless
           | should get shafted.
           | 
           | Here the question is quite literally about humanity. If one
           | cannot connect with that, maybe they can connect with the
           | need for a stable population that creates new workers and
           | funds said person's retirement.
           | 
           | What is being preached about is that the way things are going
           | will lead to larger, more unpredicted/out of cycle natural
           | disasters. We are seeing that. Globally. We will all pay,
           | whether its together and preventatively or independently one
           | by one. History shows we do better when we're together.
        
         | hindsightbias wrote:
         | Support in CA for rebuilding is really county based. Butte
         | County is fine with you making the same mistake over again.
         | 
         | Sonomas cities are helpful by not rezoning to the fire codes
         | they really should be. Napa is happy to let you keep a camper
         | on your burned site for as long as it takes you to realize how
         | you can't afford to rebuild to 7A code.
         | 
         | Malibu was marked 7A years back and those folks can afford it.
        
         | robomartin wrote:
         | > The tragic reality of climate change
         | 
         | Oh, please. I am so sick of this being shoved in front of
         | people's faces as an indisputable cause for, well, everything.
         | Might as well bring Odin and Zeus into it as causes...because
         | they are just as valid.
         | 
         | I have lived in the Los Angeles area for nearly 40 years. The
         | Santa Ana winds happen every year, multiple times per year. It
         | never fails. The winds are strong and mostly directionally
         | constant. Some years are worse than others. Average speeds are
         | not monotonically increasing.
         | 
         | Guess what? Strong wind + a small fire + lots of fuel = massive
         | fire.
         | 
         | It's that simple.
         | 
         | So please, pretty please, with sugar on top, stop with the
         | nonsense. This was a case of bad governance, bad decision-
         | making, misplaced priorities, complete lack of preparedness
         | and, yes, some bad luck.
         | 
         | Here's a simple example of that: Why is it that we have to rent
         | firefighting aircraft from Canada every year? Seriously? I
         | understand costs. Well, I look around Los Angeles today and it
         | is easy to call that argument to be criminally demented. We
         | should OWN a large fleet of these planes and have them ready to
         | deploy en-masse as needed. Again, it isn't like these winds
         | surprise us!
         | 
         | Brush and vegetation (fuel) management are crucial. In our
         | neighborhood, a few months ago, we received a notice from the
         | fire department saying they were going to come around and
         | inspect for overgrown vegetation. In this letter they said that
         | the requirement was to not have trees or large bushes/plants
         | within about 6 feet (~2 m) from the property line.
         | 
         | NOBODY CAME!
         | 
         | The inspections were not done at all, or, if they were
         | conducted, they were done at an almost invisible scale. I have
         | always been very responsible about this. I do not have large
         | trees anywhere on my property. We live in a fire hazard zone
         | with serious winds multiple times per year. My entire backyard
         | is non flammable and my back fence is concrete block. My
         | neighbors, on the other hand, they have massive highly
         | flammable trees almost touching the fence we share and covering
         | their entire property. Every other year massive branches break
         | off due to strong winds. I have advised them that, if we ever
         | have a fire, their trees are going to become massive ember
         | manufacturing machines. They either don't understand, don't
         | care or a combination of both. The point is: The fire
         | department could have come around and enforced some kind of a
         | reasonable safety standard. They have not. Ever.
         | 
         | And so, if a massive fire takes out the entire neighborhood,
         | this lack of bad governance is what is going to result in a
         | high cost in property and lives.
         | 
         | This isn't about climate change. That's ridiculous. This is
         | about incompetence and misplaced priorities.
         | 
         | https://en.wikipedia.org/wiki/Santa_Ana_winds
        
       | downrightmike wrote:
       | I hope they only hook the taxpayers for the actual cost to
       | rebuild and not the stupid crazy valuations that are not linked
       | to any real costs.
        
         | Thorrez wrote:
         | Are you talking about houses? Wouldn't insurance cover those,
         | not taxpayers?
        
           | aaomidi wrote:
           | Insurance in very high risk areas practically cannot exist
           | without governmental subsidies.
        
           | throwup238 wrote:
           | There's going to be lots of cleanup that will be paid for by
           | city and state governments because it's shared infrastructure
           | and they don't want to leave cleanup of toxic materials to
           | homeowners that might skimp on it so it washes into the sewer
           | system next time it rains.
           | 
           | It also depends on how many houses were insured by the state
           | insurer CalFAIR. It's over half a century old and has never
           | been bailed out (funded entirely by premiums) but this is the
           | most destructive fire in Calfironia history so we'll see how
           | well that holds up to this stress test.
        
             | dkasper wrote:
             | Calfair will certainly need to be bailed out. The plans has
             | over 5B in exposure in palisades alone, and only a few
             | hundred million in reserves.
        
       | ChrisArchitect wrote:
       | (1995)
        
       | bruce511 wrote:
       | >> So why do people insist on rebuilding in the firebelt?
       | 
       | Why do Floridians keep rebuilding in the wake of endless
       | hurricanes? Why do folks live in Tornado Alley? Why do Dakotans
       | endure one tragic winter after another? Why did New Orleans build
       | back after yhe flooding?
       | 
       | Man seeks to tame nature - to bend it to our will. Plus we'll
       | take "build now, great views now" over "possible disaster later
       | ".
       | 
       | One could argue that nowhere is completely risk free, but it
       | seems like the homing instinct (Plus the cultural instinct to
       | build out of wood) is strong.
       | 
       | It might be time to consider alternate building methods suitable
       | for the risk of the area.
        
         | derektank wrote:
         | I would append to these explanations, "moral hazard". Many of
         | the people rebuilding in these areas are being subsidized by
         | the rest of us, particularly people with access to
         | reimbursement from the national flood insurance program.
        
           | bruce511 wrote:
           | Sure, the point of insurance is that the many subsidize the
           | few.
           | 
           | But I expect there comes a point where insurance companies
           | say "enough is enough".
           | 
           | Perhaps federal and state money will start to pay out, but
           | the land gets bought as well.
        
             | baq wrote:
             | Getting insurance is a making a bet bad stuff happens. The
             | insurer makes a bet it doesn't happen when it signs an
             | agreement with you. If the bet is obviously negative
             | expected value, it stops being a useful subsidy and it
             | becomes instead throwing good money away.
        
               | WalterBright wrote:
               | A rule of thumb is you'll pay twice in insurance premiums
               | than you'll get in payouts. Insurance is only worth
               | buying if you cannot afford the cost of the disaster.
               | 
               | For example, I don't pay for collision protection on my
               | car. I can afford losing the car. Over time I've saved
               | far more in insurance premiums than the cost replacing
               | the car.
               | 
               | The same goes for insurance for appliances, etc.
        
               | matwood wrote:
               | Yep. One of the ways the rich get richer is when they can
               | self-insure everything and invest what they would have
               | normally paid in premiums.
        
               | seanmcdirmid wrote:
               | That really isn't true. The rich buy insurance like
               | anyone else, they are even more aggressive about
               | insurance with things like umbrella policies to protect
               | their wealth. They also hedge a lot, which is just
               | insuring through investing.
        
               | tptacek wrote:
               | Another way the rich get richer is simply taking their
               | money and investing it.
        
               | adastra22 wrote:
               | Can you afford to replace the other guy's car?
        
               | jmb99 wrote:
               | Collision insurance != liability insurance.
        
               | tptacek wrote:
               | Insurance has an obviously negative expected value for
               | its customers.
        
               | baq wrote:
               | The magic trick is it protects you from ruin. EV is
               | negative for this one bet but not for the whole budget.
        
               | tptacek wrote:
               | Right; there are all kinds of positive-EV bets you should
               | never take. Heads you win $50,000,000; tails I get
               | $500,000 and your house. Insurance isn't so much about
               | expectation as it is about marginal utility.
        
             | jalk wrote:
             | The insurance companies did say "enough is enough", which
             | is why the FAIR plans exist - i.e. https://www.cfpnet.com/
        
             | tptacek wrote:
             | That is not in fact the point of insurance.
        
           | godtoldmetodoit wrote:
           | Agreed on this point, I don't want to be subsidizing
           | insurance or paying for multi millionaires homes to be
           | rebuilt.
           | 
           | I truly feel bad for the people who lost their homes, it's
           | awful. But it shouldn't be the tax payer who picks up the
           | tab. If insurance is so prohibitively expensive you can no
           | longer afford to build there, then so be it - you can't
           | afford to live there after all.
        
             | metabagel wrote:
             | This strikes me as not understanding the limits of private
             | insurance. There wouldn't be earthquake insurance across
             | much of California if the state didn't provide it. Private
             | insurance isn't generally able to withstand large
             | calamities which result in many thousands of high dollar
             | claims in a short period of time.
        
               | tptacek wrote:
               | You can insure against a very expensive event that is
               | very likely to happen; it's simply that the premiums for
               | that insurance will be very, very high. If you're
               | "insured" for a catastrophic event that is likely --- for
               | instance, a home in Pacific Palisades of any sort --- and
               | your premiums look reasonable and bearable, then the odds
               | are you're not insured, you're subsidized.
        
               | michaeljx wrote:
               | Private insurance can and generally withstands large
               | calamities (known as natcat losses) without government
               | intervention via the utilisation of global reinsurance
               | organizations. Especially for earthquake, a properly
               | reinsured insurance can cover a large earthquake loss
               | about once every 15-20years
        
             | matwood wrote:
             | > paying for multi millionaires homes
             | 
             | Keep in mind that for many expensive homes, much of the
             | expense is in the location, and not the home itself. It
             | doesn't cost the market value of the house to rebuild it on
             | the same spot. It's also not free, and in mass disasters it
             | can be more because of shortages, but it's still less,
             | often significantly so, than the market value.
        
         | nroets wrote:
         | The Gulf coast is thousands of miles and hurricanes only
         | destroy a few dozen miles of it each year. So the risk
         | management isn't illogical.
        
           | bruce511 wrote:
           | It seems like the destruction is not rotating through all
           | miles equally though.
           | 
           | It sure seems like the folks in Florida are rebuilding more
           | often than most.
        
             | jjallen wrote:
             | Florida is many hundreds if not thousands of miles of
             | coastline. The vast majority of it hasn't been impacted
             | majorly (defined as more than a tropical storm and
             | evacuation) in many decades.
             | 
             | My family has been there since the 50s and has never had
             | major damage to any home. There's some work and minor
             | damage involved with tropical storms but nothing like a
             | full on flood or total loss of house like these fires.
             | 
             | It's just not true at all to say that most of Florida is
             | regularly majorly impacted.
        
               | hn_throwaway_99 wrote:
               | Exactly, and plenty of other Gulf states obviously are
               | devastatingly impacted all the time, e.g Katrina, Harvey,
               | etc. Not sure what the parent comment you are responding
               | to is talking about.
        
               | tptacek wrote:
               | The devastation of a sparsely-inhabited patch of rural
               | coastline isn't an economic or social problem, because
               | ~nobody lives there. But pick any one of those patches
               | and build a metropolis there, and you've recreated the
               | problem we do care about. It's the concentration of risk
               | that's the issue.
        
         | cle wrote:
         | I think framing people "staying put" in a solely negative light
         | paints an incomplete picture. I'd bet that the biggest reason
         | people stay put is not anti-social but pro-social--tight
         | community, cultural, and family bonds.
        
           | bruce511 wrote:
           | No doubt. As I said, the homing instinct is strong. We build
           | in risky areas because we've lived there all our lives.
           | 
           | Perhaps we should build different though to mitigate risk.
           | It's not hard to build a fire-proof house. Or one that's
           | flood resistant. Or hurricane proof...
        
             | baq wrote:
             | Concrete is nice if you don't want the whole house to burn
             | down, it's required in some places. Also, some minimum
             | distance between buildings and regulations about what you
             | can plant in the yard. There are folks who'll say it's
             | taking away their freedoms and they're actually right, it's
             | just we don't want to pay for an army firefighters for when
             | their respecting their freedoms puts the neighborhood in
             | danger. (I've got nothing against firefighters - but if
             | they aren't needed as much, they can be not firefighters
             | and contribute in a different way.)
        
           | throwup238 wrote:
           | That's definitely the case in Altadena which is a
           | historically minority neighborhood. The cities south of
           | Altadena like Pasadena and South Pasadena were redlined by
           | real estate agents for decades after desegregation, which
           | forced African Americans and Latinos to settle the foothills
           | of the San Gabriel mountains at that wildland-urban boundary.
           | Lots of people lost homes that have been in their families
           | since the 60s and 70s.
           | 
           | Who knows? If not for those policies, Pasadena could have
           | been built denser and Altadena could have been miles of flat
           | natural reserve that acts as a large firebreak where
           | firefighters can easily fight the flames before they threaten
           | thousands of structures, with frequent prescribed burns to
           | keep the fuel load down.
           | 
           | That's probably the real kind of conversation we should be
           | having of municipalities easing housing restrictions to build
           | denser and the state buying up large swathes of these
           | wildland adjacent communities to create larger breaks between
           | the hills and the houses.
        
         | rexpop wrote:
         | > Man seeks to tame nature [citation needed]
         | 
         | This is a shockingly archaic outlook espoused by the outmoded
         | likes of the 17th century's Francis Bacon who posited "Man, as
         | the minister and interpreter of nature", asserting that "the
         | secrets of nature betray themselves more readily when tormented
         | by [science] than when left to their own course."
         | 
         | To tame, conquer, and torment is an abhorrently perverse
         | attitude to hold towards the cradle of our species. It's not
         | the dominant philosophy of humankind, only the ideology of a
         | backwards niche minority that's had some recent success--not
         | unheard of in nature. ;)
         | 
         | More common and contemporary perspectives are based in concepts
         | of interconnectedness, innate affinity, and _stewardship_
         | rather than _ministration_.
        
         | bluGill wrote:
         | Is there any place on earth where the weather isn't potentially
         | dangerious at some time?
        
           | IshKebab wrote:
           | Very safe in most of Europe. In the UK the only weather that
           | kills people is the cold (pensioners who can't afford
           | heating; I wouldn't say it's exactly natural causes, but it's
           | in the vicinity) and floods, which occasionally kill single
           | digits of people.
           | 
           | There are basically no earthquakes, tornadoes, tsunamis,
           | wildfire, etc. I would imagine a lot of places are like that.
        
             | adriand wrote:
             | I live in southern Ontario which is mostly like this too.
             | There is occasional flooding but minor compared to other
             | places, and occasional major snowstorms, but the worst
             | natural disaster I can recall in a half century here was an
             | "ice storm" that caused damage that was quite frankly small
             | potatoes compared to hurricanes and earthquakes.
             | 
             | Living next to the Great Lakes also means that regardless
             | of what happens with droughts, we have a supply of fresh
             | water that is virtually limitless. I have to wonder whether
             | the region will start to become more popular with climate
             | refugees. Might Chicago become more of a destination, for
             | example?
        
           | nelox wrote:
           | I've been to places in the Phillipines where everyone expects
           | their house be destroyed and rebuilt, after typhoons, at
           | least 20 times in their lifetimes.
           | 
           | [edit: typos]
        
           | mattlondon wrote:
           | UK is pretty benign. We occasionally get some mild "extremes"
           | (for us) that people are not prepared for, but nothing major.
        
             | nprateem wrote:
             | Let's hope it lasts:
             | https://www.ft.com/content/7711109e-0338-43ad-
             | aada-853f058a2...
        
             | gboss wrote:
             | Well given that intense heat wave that hit the UK a couple
             | summers ago where the country went from green to brown from
             | space, I'd worry about forest fires
        
           | tptacek wrote:
           | You mean like, Wisconsin?
        
           | pm90 wrote:
           | Yes there are many. One of the strategies for dealing with
           | the upcoming climate catastrophe has to be to do a sober
           | assessment of its impact and instrument societies to relocate
           | quickly. There is simply no point in trying to rebuild in
           | areas that will be constantly destroyed by natural disasters
           | on a regular cadence.
        
           | aworks wrote:
           | https://firststreet.org/ will report climate risk, for a
           | given address. I live in a part of the Bay Area with the
           | following risk factor profile:
           | 
           | 1/10 Flood. 1/10 Fire. 1/10 Wind. 7/10 Air. 3/10 Heat.
           | 
           | Seems manageable. Of course, earthquakes are not climate-
           | related.
        
             | nprateem wrote:
             | The odds of the UK experiencing 40degc heat in the next 50
             | years were put at 0.02% a few years ago. It happened the
             | following year.
             | 
             | Those stats are meaningless. 1/10 just means unlikely but
             | the dice could still land that way.
        
         | marze wrote:
         | One would certainly hope that reconstruction would involve
         | houses with concrete exteriors, or masonry. It would be silly
         | to build a bunch of wood houses. Especially for luxury homes, a
         | concrete shell should only add 1% to the overall cost. And
         | technology exists to build hurricane-proof houses.
         | 
         | Shouldn't this be mandated, if a "natural disaster" destroys a
         | home, to not replace it with a similarly vulnerable structure?
        
           | giantg2 wrote:
           | California has a more stringent wildlands fire building code.
           | Not sure if they'd apply it to this area too. I've also heard
           | that some insurances have declined fire coverage or charged
           | very high premiums to homes not meeting their material
           | requirements.
        
           | em-bee wrote:
           | i have been wondering about this. how well do concrete and
           | other less flammable materials actually help in a fire storm
           | like this? wouldn't much of the house still get damaged
           | enough that you may well have to rebuild anyways? or is the
           | difference enough to keep, say, 50% of the houses in a
           | reusable state as opposed to losing all of them?
        
         | mancerayder wrote:
         | why is that 'instinct' to build out of wood? The instinct is to
         | build wealth, and it's cheaper to build wood than brick.
         | 
         | I find Western European construction standards to be higher
         | than American. European homes feel like they're made out of
         | brick and stone, seem better insulated, and American homes feel
         | like they're wood-framed with giant modular pieces of wood (at
         | least here in the northeast).
        
           | nprateem wrote:
           | The Great Fire of London put a stop to wooden houses in the
           | UK. Maybe the same will happen in California now.
           | 
           | But having seen the pictures from social media of the torrent
           | of embers, maybe a few more homes might have survived but
           | probably not many (unless they concreted their gardens too).
        
           | adastra22 wrote:
           | London doesn't have earthquakes. Masonry is a death trap.
        
       | throwup238 wrote:
       | _> So instead of a long-overdue debate about the wisdom of
       | rebuilding and the need to prevent further construction in areas
       | of extreme natural fire danger, public attention was diverted
       | into a discussion of the best methods for clearing vegetation
       | (rototillers or goats?) and making homes fire-resistant._
       | 
       | Does anyone honestly think that debate has any actual chance of
       | hapenning, even now? Malibu and the Pacific Palisades are some of
       | the best real estate in the state if not the country. There's
       | always going to be someone willing to pay the rising cost of fire
       | insurance and take the risk to live there. Short of the state
       | buying out all the property owners or making that area
       | uninsurable by CalFAIR, people are going to build. Not to mention
       | the political connections they have.
       | 
       | Altadena, on the other hand, was built where and how it was built
       | because of segregationist redlining in Pasadena and South
       | Pasadena. It's a historically minority neighborhood that was only
       | built so densely with so little fire protection because they
       | couldn't afford it and the state never gave them much help. It
       | looks like once again our power companies are responsible for
       | starting a destructive conflagration because they siphoned
       | maintenance money to shareholders and executives (many of whom
       | probably live in Malibu or the Palisades). Any state policy that
       | tries to solve the Malibu/Palisades problem is going to
       | disproportionately screw these low income communities that have
       | built out around the edges. I'm betting that entire neighborhood
       | will sell out to real estate developers building apartment
       | complexes that can afford more expensive fire mitigations,
       | destroying a historical community as much as any freeway and
       | opening the door to tenement fires.
       | 
       | This has all happened before and will happen again. I don't
       | really see a holistic solution that has any chance of passing
       | public scrutiny and working, other than chipping away at the
       | insurance regulator and CalFAIR, which will screw over the most
       | vulnerable and entrench the real estate NIMBYs.
        
         | scarab92 wrote:
         | California needs to get rid of its price controls on insurance,
         | so that people building in high risk areas are exposed to the
         | true costs of the risks they are taking, and have appropriate
         | incentives to build to the conditions.
        
           | dullcrisp wrote:
           | How can there be price controls on insurance? The state
           | subsidizes insurance in these areas?
        
             | throwup238 wrote:
             | The California Department of Insurance regulates the
             | insurance rates, down to how much they can raise them each
             | year. Over the last decade the real risk of these fires has
             | become better known to insurance companies and they've been
             | screaming to be allowed to raise rates faster. Some have
             | even exited the state completely (to new sign ups).
             | 
             | CalFAIR is the state insurer of last resort but last I
             | checked it's not subsidized. There were talks of needing a
             | possible bailout last year, and it's going to intensify
             | now, but it hasn't happened yet.
        
               | silotis wrote:
               | CalFAIR is subsidized in the sense that insurance
               | companies are forced to pay into it. Insurers of course
               | pass this cost on to their customers. Combined with price
               | controls on insurance this is just taxation with extra
               | steps.
        
           | Neonlicht wrote:
           | I live in the Netherlands. My insurance already doesn't cover
           | a flood (it also doesn't cover war or a nuclear reactor
           | blowing up).
           | 
           | It is the government that picks up the bill in real disasters
           | I suggest everyone reads the fine print on their contracts.
        
             | nosefurhairdo wrote:
             | Government doesn't pick up bills, taxpayers do. And it
             | introduces moral hazard when the people engaging in risky
             | behaviors (buying homes in high fire-risk areas) don't bear
             | the costs of those risks.
             | 
             | This creates larger, systemic risks and is simply unfair.
             | Someone in Montana should not have to pay to rebuild homes
             | in California.
        
               | bad_haircut72 wrote:
               | No doubt the people in Montana expect help when their own
               | houses burn down though
        
               | Panzer04 wrote:
               | It's the difference between paying a few hundred dollars
               | a year on your own insurance because it's incredibly
               | unlikely your house burns down, and many thousands a year
               | because your suburb burns down once or twice a decade.
               | 
               | We shouldn't be back stopping the insurance costs for
               | anyone. If they can't pay it, maybe that tells them
               | something about the place they are choosing to live in.
        
               | dataflow wrote:
               | > Government doesn't pick up bills, taxpayers do. [...]
               | Someone in Montana should not have to pay to rebuild
               | homes in California.
               | 
               | Are Montana residents' taxes currently paying for
               | rebuilding homes in California? How does that work - I
               | actually don't know but I thought FEMA doesn't rebuilt
               | homes?
        
               | fells wrote:
               | > Government doesn't pick up bills, taxpayers do.
               | 
               | Is this an interesting comment to make? Yeah... the tax
               | payers foot the bill because like we elect the
               | representatives to maintain the government.
               | 
               | > Someone in Montana should not have to pay to rebuild
               | homes in California.
               | 
               | Is this a joke? Should I, as a Californian, also be able
               | to say "oh, my tax money? You damn well not send it to
               | Montana to help subside program XYZ that doesn't help
               | me."
        
               | cyberax wrote:
               | > Someone in Montana should not have to pay to rebuild
               | homes in California.
               | 
               | Montana receives way more Federal aid per capita than
               | California. So it's fair to say that Californians
               | shouldn't be paying for road maintenance in Montana.
        
           | merrywhether wrote:
           | Yeah, the solution isn't divorcing risk (as communicated by
           | cost) from reality. If the concern is usurious insurance
           | rates, that's where things like profit caps and other
           | regulations come in. Society should want people to have fair
           | insurance rates but not necessarily cheap rates.
        
             | Analemma_ wrote:
             | Profit caps are a bad idea in general, but they are an
             | especially terrible fit for companies insuring against tail
             | risks, because you need to eke out a small profit for years
             | or decades to hedge against the black swans with massive
             | costs. The 2017 and 2018 wildfires wiped out _25 years_ of
             | insurance company profits, for example: if you had said in
             | 2013, "hey, these guys have made 20 straight years of
             | profits, we need caps to control costs", you'd have left
             | them insolvent against the fires.
             | 
             | This is all a moot point though: you cannot force companies
             | to offer insurance. If regulations prevent them from
             | offering policies at a profit, they just leave. Which is
             | exactly what is happening in California (and Florida):
             | every company is bailing out and refusing to renew
             | policies.
        
               | daveguy wrote:
               | Profit caps are not the same as disallowing profit. They
               | make sure insurance payouts are fair given the insurance
               | premiums. Distributing "profits" back to shareholders to
               | the point that the insurance company cannot honor
               | policies is a disingenuous use of funds for an insurance
               | company. You seem to think profit cap = no profit, which
               | is not the case. It means the profit ROI cannot take
               | precedence over the insured ROI.
        
               | cyberax wrote:
               | > The 2017 and 2018 wildfires wiped out _25 years_ of
               | insurance company profits
               | 
               | Money spent to repay loans or to make reserves are not
               | profits.
        
             | Ekaros wrote:
             | Shouldn't competition take care of usurious rates in
             | relatively free and working market? That is people will
             | move to cheaper offerings which likely are close to real
             | price.
        
           | __loam wrote:
           | Really hard to make the argument for this politically when
           | the state is also facing a housing crisis. Unfortunately, a
           | lot of undeveloped land is also prone to wildfire. The
           | solution is zoning relaxation and building dense but there's
           | also a lot of resistance to that.
        
             | Analemma_ wrote:
             | Newsom is proposing waiving CEQA for rebuilding destroyed
             | homes in the wildfire zone, but _only_ for low-density
             | structures, which makes me want to scream until my throat
             | bleeds. California infallibly manages to zero in on the
             | worst possible solution; waive CEQA either entirely or not
             | at all, and let the Palisades homeowners wait for their
             | decade of environmental review like the rest of us have to.
        
         | Neonlicht wrote:
         | What fire mitigations are there for these kind of disasters
         | besides complete depopulation? There are already 15k
         | firefighters working on this one. It's just gonna get worse
         | with climate change.
        
           | hn_throwaway_99 wrote:
           | I think that assumption is inaccurate:
           | 
           | 1. In parts of the Pacific Palisades/Malibu, as the article
           | points out, yes, there are firestorms that are going to
           | happen there pretty much inevitably. But even then, if you
           | look at some places that had both the money and motivation to
           | really invest in fire prevention (e.g. the Getty Villa), they
           | escaped the worst of the damage - no structures in the Getty
           | Villa, smack dab in the middle of the Palisades, burned.
           | 
           | 2. What happened in Altadena was entirely different. It
           | shouldn't go unnoticed that in many pictures and videos that
           | lots of trees are still standing unscathed while the homes
           | are all burnt to the ground. Most of these homes went up long
           | before adequate fire protection was deemed a necessity, and
           | given land values there now (even with it being in the state
           | it's in), it should be possible to rebuild in a _much_ more
           | fire resistant state than what existed previously.
        
           | Carrok wrote:
           | Metal. Stone. Concrete.
        
           | Amezarak wrote:
           | It will get worse no matter what. Even if we went carbon-
           | negative tomorrow, California in currently in a historically
           | _wet_ period. The music will stop no matter what, unless we
           | acquire planetary weather control.
           | 
           | > Across the Californian region, paleoclimate records dating
           | back more than 1,000 years show more significant dry periods
           | compared to the latest century. Ancient data reveals two
           | mega-droughts that endured for well over a century, one
           | lasting 220 years and one for 140 years. The 20th century was
           | fraught with numerous droughts, yet this era could be
           | considered relatively "wet" compared against an expansive
           | 3,500 year history. In recent times, droughts lasting five to
           | 10 years have raised concern, but are not anomalous. Rather,
           | decade long droughts are an ordinary feature of the state's
           | innate climate. Based on scientific evidence, dry spells as
           | severe as the mega-droughts detected from the distant past
           | are likely to recur, even in absence of anthropogenic climate
           | change.
           | 
           | I say this because people should not confuse the issues.
           | Fighting climate change won't stop California from burning.
           | This was always going to happen; even in the best-case
           | massively carbon-negative future, we at best defer the
           | burning a few years. So we shouldn't have the attitude
           | "California will just be OK if we can go carbon negative." It
           | won't.
           | 
           | [1] https://en.wikipedia.org/wiki/Droughts_in_California
        
             | BlueTemplar wrote:
             | It's the water that allows the fuel build up though.
             | 
             | So a drier California might actually not burn as much,
             | because, as the article points out, there's not much to
             | burn in a desert ?
             | 
             | Also, this being more about human behavior, people might be
             | much less interested to build in a desert (in this case, I
             | doubt it, see also : Saudi Arabia). (Up to a point of
             | course, worst case climate change scenarios involving these
             | latitudes becoming uninhabitable in the next centuries.)
             | 
             | Otherwise, I was wondering whether, under a still "wet"
             | California, but under still mild climate change, the more
             | frequent both rains and droughts, might increase the
             | frequency of firestorms just high enough so that humans
             | actually start taking them seriously.
             | 
             | (EDIT : And looks like they already did, if those 2007
             | building code changes aren't just for show ? How is the
             | correlation between the post-2007 buildings and those that
             | survived firestorms?)
        
           | thereisnospork wrote:
           | Simplest answer is cut down all the trees and pave it over.
           | No fuel no fire.
        
         | nelox wrote:
         | As politics follows power, I agree that preventing rebuilding
         | would prove challenging. But so is witnessing an apocalypse,
         | the likes of which Angelinos have just endured. It would be a
         | brave politician indeed to remove any possibility of
         | development in those areas.
        
       | mullingitover wrote:
       | I always hear about how the region is evolved for the occasional
       | wildfire, but the area also had far more large grazers keeping
       | the fuel in check. The under-grazing is a big part of the fire
       | equation.
        
         | motohagiography wrote:
         | that's an interesting view. would a feral goats, sheep or
         | another species population keep this specific vegetation down?
        
         | 01100011 wrote:
         | Maybe to a small degree. Grazers might keep the non native
         | grasses and invasive weeds in check (although that has
         | historically been the job of wildfires). Grazers aren't going
         | to eat mature oaks, toyon and other woody natives though. The
         | canyons near me have plenty of deer but the canyon is still
         | overgrown and full of fuel.
        
       | dehrmann wrote:
       | The big, open question right now is how much of the California
       | wildfires is due to climate change and how much is due to
       | aggressive fire suppression over the pas 50+ years.
        
         | convolvatron wrote:
         | is that really that relevant? according to the climate change
         | people this is just going to keep happening, and not just in
         | California but in Washington and Oregon and across Canada and
         | who knows how many other places. This on top of larger storm
         | surges, heat waves, flooding, drought, heating and
         | acidification of the seas, loss of sea ice, etc. All things
         | that we have empirical evidence for.
         | 
         | It only makes sense to stress this question if you reject that
         | premise entirely, and think that if we just get California to
         | to better managing its underbrush, then this whole thing goes
         | away.
         | 
         | otherwise the causality is a bit moot? except maybe it opens
         | the discussion about how much we can afford to spend to clear
         | brush given that this is going to keep being a problem.
        
           | HPsquared wrote:
           | They'll need to manage the underbrush better, regardless of
           | how much of an effect was due to climate change. People are
           | going to live there and need to take protective measures.
           | Climate change only increases the amount of management
           | required.
        
         | tptacek wrote:
         | Is it an open question? This is an article from 1995 about how
         | massive city-razing fires are endemic to the region and have
         | been for decades. Decades later, it continues to be right. What
         | does it matter whether the fires are monocausal?
        
         | 01100011 wrote:
         | You're using arguments appropriate to other ecosystems.
         | 
         | Please familiarize yourself with coastal sage scrub communities
         | in so cal.
        
       | notjoemama wrote:
       | > Today our horticultural firebreaks are gone, strawberry fields
       | are now aging suburbs, and the quest for beach fronts, mountain
       | view lots and big trees has created fire hazards that were once
       | unimaginable.
       | 
       | Being posted in a tech community with an ideology of constant
       | improvement, I'm positive there will be a preponderance of
       | solutioning in response. I grew very tired of the repetitive
       | nature of the writing. I also noticed amongst its supposed
       | specificity, none of the actual causes of the fires were given.
       | For example, I recall the fire that burned part of Redding was
       | from multiple fires burning together caused by both arson and a
       | trailer chain left dragging against the pavement. I think some of
       | use are aware of the arsonists caught in the current LA county
       | fires. We can point to failures of leadership and forest
       | management. But the author calls the behavior of mankind
       | believing we can tame nature perverse. What a disappointing
       | perspective. Were that true then we have no business ever
       | exploring space, the ocean, or housing anyone for any reason on
       | the Earth's polar ice caps. The fact is we can and do tame nature
       | in many MANY ways. Anyone that drives a car can understand this.
       | So it's not a matter of whether we do or not, but to what extent
       | are we trying. That is not a perverse belief, as I'm sure you may
       | know of will read in other replies. We, or those in leadership
       | positions, know what can be done to mitigate destruction and loss
       | of life. The challenge is, and as the history in this article
       | suggests, is doing it.
        
         | Analemma_ wrote:
         | This comment is kind of deliberately missing the point. We
         | _can_ tame nature, but not to an arbitrary degree: to do so, we
         | need to make compromises and mandate+forbid certain behaviors.
         | 
         | Wildfires can be tamed, but it requires 1) controlled burns
         | which aren't held up for years in red tape, 2) insurance priced
         | appropriately to risk, which means not everyone who wants to
         | live in a fire zone should be able to afford it and 3)
         | construction codes with mandatory firebreaks, specific fire-
         | resistant materials and vigorous enforcement punishing anyone
         | not doing these (since one break in the firewall can lead to
         | the whole town burning down). California refuses to do _any_ of
         | these things, never mind all of them, and pays the inevitable
         | consequences.
        
       | throttlebody wrote:
       | I live on a fault line, and we have overcome most issues by
       | building seismic tolerant buildings. We have the knowledge to
       | live in high-risk areas with some certainty, but it will never be
       | without risk. Climate change, ie more frequent severe weather
       | events, is definitely going to challenge our norms and how we do
       | things. Fire tolerant buildings ?
        
       | marze wrote:
       | Fire suppression and lack of controlled burns leads to big fires.
       | However in an environment with hot Santa Ana Winds, even with
       | good forest land fuel management, a city like Pacific Palisades
       | as it stood could conceivably burn from an accidental fire within
       | the city.
       | 
       | The real question is this: do we have the capability to build a
       | house that would not burn down if the neighboring house caught
       | fire? If so, a city could be build that would be impervious to
       | wild fire, arson, and accidental fires.
       | 
       | How much would this cost?
        
         | dkasper wrote:
         | Defensible housing exists, there have been some viral photos of
         | a few houses that survived this wildfire. But the embers from
         | large fires can fly for miles in high wind, so it would likely
         | have to be the whole city
        
           | Axsuul wrote:
           | Technically, but nothing miles away caught on fire. The
           | ignition zone is likely only a few hundred yards even in
           | intense Santa Ana winds. So that means only homes in fire
           | prone areas (or adjacent) would need to be made very
           | defensible.
        
           | marze wrote:
           | Probably a more pertinent question would be: can you
           | construct houses that would not burn in a Santa Ana if all
           | the vegetation and landscaping nearby burned.
           | 
           | If you have fire resistant structures and only vegetation
           | burned, not any structures, it would be much less expensive
           | to replace just the landscaping plants.
           | 
           | In a 80 mph wind, it would be very challenging to design a
           | structure that would survive a wooden house burning next
           | door.
        
         | Axsuul wrote:
         | Also, older homes that are not up to date with the latest
         | defensible technologies.
        
           | marze wrote:
           | Does anyone know if the insurance companies gave discounts to
           | houses that had fire resistant improvements, in the areas
           | that burned in these fires?
        
         | timewizard wrote:
         | I can build you a fire proof house; however, you almost
         | certainly do not want to live in it. It will be uncomfortable
         | and unsightly. Avoiding disaster at all costs is not the reason
         | we build cities or invest in homes.
         | 
         | The better question is, do we have the capacity to build a
         | _city_, that would limit spreading fire damage even if one of
         | it's neighborhoods completely lit on fire?
         | 
         | That will cost a lot less and still be a beautiful place to
         | live.
        
       | kneath wrote:
       | Many comments seem to be under the impression that we do not know
       | or do not choose to build fire-resistant buildings.
       | 
       | We do know how. It is required by code. Chapter 7 of the IBC code
       | is the specific section. It was adopted in 2007. Most houses in
       | America pre-date 2007 construction. If only comments on the
       | internet had the power to retrofit millions of structures across
       | the country, we'd be set.
       | 
       | https://codes.iccsafe.org/content/IBC2018/chapter-7-fire-and...
        
         | idle_zealot wrote:
         | Surely the problem here is one of policy and political will. In
         | terms of cost I can't imagine that the damage done by unplanned
         | firestorms leveling cities is less than retrofitting or
         | controlled burns.
        
           | kneath wrote:
           | It is never really that simple. Here is a thought experiment:
           | 
           | How does the idea of defensible space work if your neighbor's
           | walls are 5 feet from your walls? What happens when an entire
           | neighborhood is that closely spaced? How do you retrofit the
           | space between buildings?
           | 
           | There are dozens of challenges like the above, and a lot of
           | them delve into personal freedoms. Should you be able to
           | choose what trees to plant on your property? Should you be
           | allowed a shed? Should the government use air surveillance to
           | enforce the cleanliness of your backyard?
           | 
           | There's lots we can do, lots we should do, but it is far from
           | a simple path with a singular solution.
        
             | sio8ohPi wrote:
             | Townhouses with no intervening space would likely be an
             | improvement. Browse Altadena in streetview and you'll see
             | loads of houses with vegetation -- tinder -- stacked
             | between them. Getting rid of those intervening spaces
             | entirely would reduce the surface area exposed to embers
             | while simultaneously depriving homeowners the temptation to
             | store fuel in unwise places.
        
               | BlueTemplar wrote:
               | Didn't that vegetation actually end up less flammable
               | than the houses ? (Or was that just cherry picking by
               | journalists ?)
        
         | ajuc wrote:
         | Legislating the lessons most medieval cities learnt in dark
         | ages only in 2007 is still wild.
        
         | throwup238 wrote:
         | Plenty of newer buildings in Altadena also burned just as
         | easily. One of the high end assisted living facilities that was
         | built in the last five years is almost completely gone and they
         | could afford a lot more fire mitigation than the individual
         | home owners.
        
         | giantg2 wrote:
         | If I remember correctly, those protections are tailored mostly
         | to interior fires. I believe there are additonal
         | recommendations (not required in code) for homes in fire prone
         | areas.
         | 
         | Edit: when I say not in code, I mean not in the IBC. I think CA
         | has their own code for fire prone areas. I'm not sure if that
         | code only applies to rural areas or not. One would hope that it
         | applies universally and the rebuilding will be done with the
         | fire hardening methods. Insurance might influence
         | reconstruction too.
        
           | kneath wrote:
           | Chapter 7 addresses both interior and exterior fires.
           | Exterior fires are a danger to buildings everywhere (see:
           | Great Chicago Fire).
        
             | giantg2 wrote:
             | Yeah, but the external shit is basically "if it's wood, is
             | it treated with fire retardant". It's not like vinyl siding
             | is great for fires.
        
               | kneath wrote:
               | Not going to enter into anymore baiting, but no -- that
               | is not at all the extent of Chapter 7's protections
               | against external fire.
               | 
               | https://codes.iccsafe.org/content/IBC2018/chapter-7-fire-
               | and...
        
               | giantg2 wrote:
               | Not baiting. You can compare chapter 7 to the CA
               | wildlands code and see the dramatic difference in fire
               | prevention. As others have pointed out, the newer
               | construction made under the code you are referencing are
               | still burning to ground.
        
       | johnea wrote:
       | A lot of informative historical detail in this article, but the
       | title is pretty much completely disconnected from the content of
       | the text.
       | 
       | There is almost no discussion of why, or how, letting natural
       | fire processes go unchecked would help the situation.
       | 
       | It may very well be the case that this would be a good idea (or
       | not), but this article really doesn't talk much about it in any
       | case.
       | 
       | But still, some detailed historical context of fires in LA...
        
       | throwaway657656 wrote:
       | My comment is off-topic, but I am unclear what insurance would
       | pay in the case of a total loss of a home/neighborhood. For
       | example, a small one bedroom home in the Pacific Palisades might
       | have had a FMV of $2M. Let's assume the structure itself has a
       | replacement value of $150k. On a typical policy, would insurance
       | pay $2M in case of total loss, or $150k ? What if the
       | neighborhood is destroyed and that land is now worth ~10% of what
       | it was prior ? Would insurance then pay out closer to the $2M ?
        
         | tptacek wrote:
         | Homeowners policies generally pay replacement cost, not market
         | value.
        
       | battle-racket wrote:
       | Related, RIP Mike Davis, author of this article. Highly recommend
       | reading some of his books, my favorite being Late Victorian
       | Holocausts which discusses famine in relation to colonialism.
        
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