California
California will require insurers to offer home coverage in wildfire-prone areas
Insurance companies that stopped providing home coverage to hundreds of thousands of Californians in recent years as wildfires became more destructive will have to again provide policies in fire-prone areas if they want to keep doing business in the state.
The new state regulation, announced on Monday, will require home insurers to offer coverage in high-risk areas, something the state has never done, the office of the California insurance commissioner, Ricardo Lara, said in a statement.
Insurers will have to start increasing their coverage by 5% every two years until they hit the equivalent of 85% of their market share. That means if an insurer writes 20 out of every 100 state policies, they’d need to write 17 in a high-risk area, Lara’s office said.
Major insurers such as State Farm and Allstate have stopped writing new policies in California due to fears of huge losses from wildfires and other natural disasters.
In exchange for increasing coverage, the state will let insurance companies pass on the costs of reinsurance to California consumers. Insurance companies typically buy reinsurance to avoid huge payouts in case of natural disasters or catastrophic loss. California is the only state that doesn’t already allow the cost of reinsurance to be borne by policyholders, according to Lara’s office.
Opponents of the rule say that could increase premiums by 40% and doesn’t require new policies to be written at a fast enough pace. The state did not provide a cost analysis for the potential impact on consumers.
“This plan is of the insurance industry, by the insurance industry and for the industry,” Jamie Court, president of Consumer Watchdog, said in a statement.
The requirement is under review by California’s office of administrative law before it takes effect within 30 days.
“Californians deserve a reliable insurance market that doesn’t retreat from communities most vulnerable to wildfires and climate change,” Lara said in a statement. “This is a historic moment for California.”
The new rule is part of Lara’s effort to persuade insurers to continue doing business in the country’s most populous state. He presented another rule earlier this month to let insurers consider the climate crisis when setting their prices. Insurance companies have said that because they can’t consider the climate crisis in their rates, many opted to either pause or restrict new business in the state. The new rule to include the climate crisis in rates will take effect later this week.
The ultimate goal of the new rules is to get homeowners out of the California Fair Access to Insurance Requirements (Fair) plan, which often serves as the last resort when insurance companies stop providing coverage for those living in areas threatened by wildfires, Lara’s office said. The Fair plan could help a homeowner fulfill insurance requirements imposed by mortgage companies, but it is mainly designed as a temporary safety net with basic coverage until policyholders find a more permanent option. The number of people on California’s Fair plan more than doubled between 2020 and this year, reaching nearly 452,000 policies.
Wildfires have always been part of life in California. But as the climate has gotten hotter and dryer, it has made those fires much larger and more intense. Of the top 20 most destructive wildfires in state history, 14 have occurred since 2015, according to the California department of forestry and fire protection (CalFire).
A 2018 fire in Paradise, California, killed 85 people and destroyed about 11,000 homes, and some residents have struggled to find home insurance since.
Steve Crowder, the town’s mayor, lost his house and business. Since then, his family has rebuilt their home but struggled to find insurance. The Crowders were forced to enroll in the Fair plan earlier this month. Despite paying roughly $5,000, the mayor said his home is insured for about $100,000 less than its value and the house’s contents are only half covered.
“You couldn’t rebuild what you got for what it’s insured for,” he said.
His constituents face similar problems. With policies skyrocketing from approximately $1,200 annually before the Camp fire to $5,000 now – or even up to $20,000 a year for large homes – some have abandoned attempts to find coverage altogether.
In the years after the Camp fire, Crowder said the town has successfully brought back some insurers after enacting new ordinances with high standards to keep structures safe, such as rules regarding clearances, vegetation and fences.
While the mayor welcomed the state’s new rules, he said he and his constituents are skeptical things will improve.
“Anything that will help get insurance in California, period, is helpful,” he said, but added: “Let’s wait and make sure it happens before we get excited.”
California
California Islamic calligraphy artist preserves ancient tradition during Arab American Heritage Month
As Arab American Heritage Month is celebrated, one Northern California artist is keeping the centuries-old tradition of Islamic calligraphy alive, one carefully measured stroke at a time.
Sehar Shahzad is a student calligrapher. Before starting any project, Shahzad said “one of the first things that calligraphers learn is how to cut their pens.”
Her tools must be in pristine condition.
“Your instruments are just as important as anything else in this art,” she said.
Shahzad said that as a young girl growing up in Toronto, she took up Islamic calligraphy while reflecting on her religion.
“It’s not like I’d never seen it before, but it was my first time kind of trying it,” she said. “And there’s no other way to say it except that I just fell in love with it.”
Now married with three children, Islamic calligraphy is very much part of her life.
“I remember thinking that this isn’t something that I just want to learn for fun,” she said. “I really want to be able to master it.”
Shahzad said that every angle and curve follows strict geometric rules and is measured with dots.
“For example, this letter here was just a little bit too long, so we use these nuqtas to help us guide and understand how long that letter should be,” she said.
Like the Arabic language, Islamic calligraphy is read from right to left. Its bold simplicity requires precision and a deep understanding of proportion.
“When you’re creating a composition, it’s not only about the letter itself,” Shahzad said. “It’s about composition as a whole and making sure that everything balances together.”
Even though she’s still mastering her form, Shahzad’s work is featured in the prayer room of a Muslim cemetery in Napa and in the domes of mosques in San Jose, Hayward, and San Francisco.
Still, she considers her work on paper the most special.
“A form of meditation, a form of worship, requires focus, requires discipline, really brings me to a different space,” Shahzad said. “And I think that’s what I love most.”
Proving that in this fast-paced world, this millennia-long tradition is far from disappearing.
Shahzad’s work will be featured at the upcoming Light Upon Light art exhibit at the Tarbiya Institute in Roseville from April 24-26.
California
California sees lowest number of firearm-related deaths since 1968, new data shows
LOS ANGELES (KABC) — California Attorney General Rob Bonta on Tuesday highlighted what he called historic progress in the state’s fight against gun violence.
“California has achieved something historic with the lowest rates of firearm deaths, suicides and homicides on record,” he said during a press conference.
According to Bonta, in 2024, California saw the lowest numbers of firearm-related deaths since 1968. That also drove the state’s overall homicide rate to its lowest level on record in Centers for Disease Control and Prevention data, Bonta’s office said.
However, Bonta warned lawmakers that those gains could be at risk without continued investment.
“This progress is fragile,” he said. “It was driven in part by significant investments that are now declining or disappearing, and without continued and increased investment, we risk losing it.”
Bonta urged policymakers to continue advancing gun violence prevention efforts and education initiatives.
To learn more, click here.
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California
California lawmaker introduces bill to protect wildlife from euthanasia, create coexistence program
A Southern California state senator has proposed a new law that would prevent euthanasia in the state’s wildlife just a month after a mother bear was put down for swiping at a woman in Monrovia, feet away from where her two cubs were located.
The legislation, SB 1135, which was introduced by Sen. Catherine Blakespear (D-Encinitas), calls for the establishment of a state program that promotes the coexistence with wildlife and codifies a wolf-livestock coexistence and compensation program. The move comes two years after funding for a similar wildlife coexistence program expired.
“We can and must responsibly support people and wild animals to exist in a California where we are all under growing pressures and cumulative threats like extreme heat, frequent drought and intense wildfires that animals respond to by moving in search of resources to survive,” Sen. Blakespear said in a statement. “That means investing in science-based, situation-specific, proactive strategies to minimize negative interactions and prevent escalation to conflicts that pose risks for people and animals. SB 1135 proposes a program to better protect people, wildlife and communities.”
The proposed coexistence program, which would be allocated nearly $50 million through the state’s 2026-27 budget, would build on the previous version, which deployed trained regional human-wildlife conflict staff around the state. The absence was noted by CDFW leaders during a state Assembly meeting in January, according to Blakespear.
“Over the last five years, wildlife incident reports logged by the California Department of Fish and Wildlife (CDFW) increased by 31 percent and calls, emails and field contacts rose by 58 percent,” Blakespear’s proposal says.
She noted the recent headline across the state, including “Blondie,” the Monrovia mother bear who was captured and put down by wildlife officials in March after it swiped at a woman near the home it was living under with its two cubs.
The home in question belongs to Richard Franco. He, along with many other Monrovia residents, has documented his encounters with bears over the years, even setting up a system of trail cameras to track the bears’ movements.
“Getting to know her, you could see what a devoted mother she was,” Franco said. “She was always building a nest.”
Read more: Orphaned bear cubs taken to San Diego for care after mom is euthanized for attacking people
Franco and many of his neighbors were angered upon learning that CDFW officials had euthanized Blondie after her capture, which they credited to the fact that she had swiped at the woman days earlier and another person in 2025.
“Forcing them out, and then euthanizing the mom was just traumatic for us,” said one Monrovia couple. “It was just tragic, and there was no need for it; it was completely unnecessary.”
Situations like this are what caught Blakespear’s attention, leading to her proposal last week.
“It is really my desire to make sure that wild places stay wild, and not be having to resort to lethal measures like killing bears or killing wolves,” Blakespear said, while speaking with CBS LA. “We need to have a program that is up and going so we can be educating people.”
The program calls for focus on public education, maintaining a statewide incident reporting system and deploying devices like barriers, noise and light machines and other technology that would deter predators from places where they shouldn’t be.
SB 1135 passed on a 5-1 vote and will now be considered by the Senate Appropriations Committee.
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