The Brief

An insurance crisis continues to rattle California’s foster care system, threatening to displace thousands of vulnerable children.

Since 2024, more than two dozen nonprofits that recruit, train and support foster parents have shuttered across 13 counties, according to the California Department of Social Services.

Counties have historically relied on the licensed nonprofits, known as foster family agencies, to place children — especially those in need of intensive support — in certified homes until they are adopted or reunified with their birth families.

Their closures come two years after a key insurance carrier backed out of covering foster family agencies, citing rising legal costs. The company, Nonprofits Insurance Alliance of California, covered approximately 90% of the more than 200 foster family agencies operating throughout the state, leaving them scrambling to find a replacement.

No other California insurers have stepped in since then, forcing foster family agencies to secure coverage from companies outside the state — and sometimes, outside the country. In an unregulated market, that’s meant that agencies have seen increases of 200 to 400% in their liability coverage. Many are reporting cost hikes of more than $350,000 in annual premiums.

The Legislature last year approved a one-time $31.5 million allocation to buoy the agencies as they face unsustainable premiums, but the money has run out. Assemblymember James Ramos, a Democrat from San Bernardino, and Sen. María Elena Durazo, a Democrat from Los Angeles, recently requested another $30 million in relief funding.

Tony Iagmin holds a three-month-old baby at his home in San Diego’s Lakeside neighborhood on Feb. 23, 2026. Tony and Sara Iagmin are fostering the baby.

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But without any long-term policy solutions, advocates warn that the whole system is at risk of collapsing. It would start with some or all of the remaining foster family agencies closing. Foster parents, lacking the support that’s needed to sustain them, could then exit the child welfare system altogether and kids would face even more instability, the advocates say. And medically fragile children — including kids with feeding tubes, developmental disabilities or drug dependencies from their mothers — are especially at risk because counties don’t typically have sufficient resources to provide that level of care.

“It would be an absolute crisis if the foster family agencies closed,” said Diana Boyer, managing director of research and policy at the County Welfare Directors Association of California. “Foster children are the state’s children. We all collectively need to be doing more to support them and ensure that they have homes and families to go to.”

The crisis is tied to California’s attempts to provide redress to survivors of sexual abuse. Legislation passed in 2019 lifted the statute of limitations, allowing survivors to sue government agencies. Thousands of lawsuits have been filed since then, and hefty payouts have driven up insurance costs for public agencies across the board. Schools were among the first to feel the pinch from rising costs for insurance to cover liability from the suits.

The Nonprofits Insurance Alliance of California stopped renewing insurance policies following a $25 million payout to three children after a jury found that a foster family agency in Santa Rosa failed to protect them from sexual abuse. The group had also made a mostly failed effort to reform aspects of California law related to insurance and liability.

'Our collective responsibility'

Roughly 300 foster family agencies operate throughout California, providing critical services to approximately 6,500 of the state’s 45,000 foster children.

Counties run many of their child welfare placements through the community-based nonprofits because of their quality of care — especially for kids with the highest needs.

If a child is removed from their home in the middle of the night due to abuse or neglect, foster family agencies quickly step in with supportive homes that are “at the ready,” said Pete Weldy, chief executive officer at the California Alliance of Child & Family Services, which represents roughly 200 foster family agencies around the state.

After initial placement, the agencies continue to work with foster families and kids to provide sustained support, including around-the-clock care, crisis assistance, and consistent case management.

When an agency shutters, the child’s placement could be disrupted.

“That’s one of the untold stories of this whole crisis,” Weldy said. “It could mean that the youth has to move to a different county, to a different foster family. They could be uprooted from their family. They might have to change schools, maybe move communities, lose their friends.” The disruption, he added, can often exacerbate behavioral health needs. “Eventually, it could lead to the worst outcome, which is that the child ends up unhoused,” he added.

If counties are unable to find a placement, Weldy said the child may end up in a hotel, hospital, or conference room.

“This is the state’s responsibility and really, therefore, all of our collective responsibility to make sure these really vulnerable kids and youth have what they need to thrive,” he said. “And that’s where foster family agencies do such an incredible job.”

Foster families 'knew who to turn to'

Tony and Sara Iagmin play with the baby they are fostering at their home in San Diego’s Lakeside neighborhood on Feb. 23, 2026.

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Sara and Tony Iagmin have fostered 45 children since 2013, when they started working with Angels, a San Diego-based foster family agency that recently closed due to the insurance crisis. Over that period of time, they worked with three case managers from the agency that would make weekly visits to the child or children they were currently fostering. That consistency served them and their foster children well, they said.

“We knew who to turn to and how to get support for everything that came up,” Sara Iagmin said.

They fear that the increasing number of agency closures will result in more kids falling through the cracks and hurt foster parents, especially those who are new to the child welfare system and may need additional support.

“Foster family agencies are like AAA and the county is like the DMV,” Tony Iagmin said. “They have good workers, but it’s a lot of bureaucracy.”

Since Angels closed, the Iagmins started working directly with San Diego County. They said they feel well-equipped to handle the shift since they’ve been foster parents for so long, but will miss the community they found through Angels.

Tony and Sara Iagmin at their home in San Diego’s Lakeside neighborhood.

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CalMatters

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Photos of families Sara and Tony Iagmin have worked with over the years hang on a wall at their home in San Diego’s Lakeside neighborhood on Feb. 23, 2026.

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In Placer County, Sarah and Michael Prince have worked with the foster family agency Koinonia Family Services since 2016. After struggling with infertility for over a decade, the couple decided to attend the agency’s orientation.

“I came home buzzing,” said Sarah Prince. “My intuition said, ‘This is my home.’”

It took them two years to go through the agency’s certification process. Since then, the couple has taken in 13 foster children, four of whom they ended up adopting.

“I couldn’t have done it without a foster family agency,” said Sarah Prince. “It’s an extra layer of protection for you. They are your family. When the things fall, it’s the knowing that you have somebody to call. It’s consistency for these kids that haven’t had consistency because your foster family agency workers don’t change.”

Laura Richardson, a manager at Koinonia Family Services, said the statewide agency works with roughly 360 homes, 99 of which are not taking placements. On any given day, they serve around 200 youth in their foster family homes.

According to Richardson, the organization’s insurance increased by 242% — from $272,000 to $933,000 per year — since the Nonprofits Insurance Alliance of California stopped renewing their policy. It’s meant that they’ve had to rescind their licenses in three cities, transferring those families to other offices that are still operating.

Richardson said they’re trying to hold out for as long as they can for the state to come up with a solution. But as more and more agencies shutter, she worries that the homeless population will increase for youth.

“I worry about the safety net for these most vulnerable youth going away,” she said. “It’s going to stress other parts of the system. So the state is going to have to pay for it somewhere. My hope is that we can fix what’s good about what we already have before we lose it.”

Cayla Mihalovich is a California Local News fellow.

This article was originally published on CalMatters and was republished under the Creative Commons Attribution-NonCommercial-NoDerivatives license.

Wide-open land on L.A.’s Westside is rare. And where it does exist, it’s extremely expensive. But Santa Monica will soon get a chance to redevelop an amount of land unprecedented in the city’s recent history.

The Santa Monica Airport is set to close at the end of 2028. Residents have supported turning it into a park. Proponents of that approach say all 227 acres should be reserved for green space.

But with rents out of reach for many Westside workers, others are fighting to set aside some land for affordable housing.

“If we don’t do it here, I don't know where we’ll get it done in such big numbers,” said Ralph Mechur, a member of the pro-housing group Cloverfield Commons and a proponent of a measure now aiming to qualify for the November ballot.

The ballot initiative would ask Santa Monica voters to approve using 25% of the airport’s land for 3,000 units of low- and moderate-income housing. The other 75% would be kept as a park.

But park proponents don’t want to sacrifice any of the airport land.

“It's not to do with housing, per se,” said Frank Gruber with the Santa Monica Great Park Coalition. “Somebody could say to me, we need 20 acres to build a laboratory that will guarantee that we will cure cancer — we'd still be opposed to it.

“This land, every square foot, we think of as precious for the park,” he said.

Little affordable housing leads to long commutes

The competing visions for the future of the Santa Monica Airport highlight tensions over creating more affordable housing in wealthy communities where thousands of people work, but can’t afford to live.

One of those workers is Luis Martinez. He spends up to 90 minutes commuting from his home in Canoga Park to his job as a server and bartender at Santa Monica’s Fairmont Miramar Hotel.

Martinez recently worked eight days in a row, picking up shifts from co-workers. It was great for his paycheck, he said, but all those hours stuck in traffic were not great for his wife and 2-year-old son.

“He doesn't see me as much, because I'm always working,” Martinez said. “The time is what makes him miss me. It puts a strain on us.”

Luis Martinez spends hours behind the wheel each day he commutes from his home in Canoga Park to his job in Santa Monica.

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Martinez’s family moved into their one-bedroom apartment three years ago with a monthly rent of $1,900. At the time, he said, they would have needed to spend at least $2,800 to rent a comparable apartment near the Fairmont.

“I cannot afford that,” he said. “I know it's a good place to raise a family. I would love to live there if I could afford it.

Who would live in proposed airport housing?

Martinez belongs to the union Unite Here Local 11, which is helping to collect signatures to qualify the measure for the November ballot.

The measure would ask voters to make half of the 3,000 apartments available to renters earning up to 80% of the area’s median income. The rest would be reserved for middle-income workers earning up to 120% of the area median. If the apartments were built today, L.A. County's current income limits would disqualify individuals earning more than $89,550 and families of four earning more than $127,900.

“It begins to provide housing for our kids, our grandkids, possibly your teachers, janitors, cooks and hotel workers who might be priced out of lower-income affordable housing,” said Mechur, who supports the ballot initiative.

A "for lease" sign hangs on the exterior of an apartment building in Santa Monica.

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In 2014, more than 60% percent of Santa Monica voters supported Measure LC, which instructed the city to “prohibit new development on airport land, except for parks, public open spaces and public recreational facilities.”

But that measure left open the possibility to change plans through another public vote. In the current cycle of state-mandated housing goals, Santa Monica must plan to allow about 6,100 units of affordable housing by 2029.

“Here's an opportunity to build up to 3,000 units in one time period, to help reach numbers that will provide housing for people who need to be in Santa Monica,” Mechur said.

The airport’s history — and future

Planes have been taking off at the Santa Monica Airport site for more than a century. Pilots who flew in and out of the airport include Amelia Earhart and the first team to aerially circumnavigate the globe.

During World War II, the nearby Douglas Aircraft Company built military planes. To provide aerial camouflage during the war, the entire airport was covered with chicken wire, on which Hollywood set designers built lightweight structures made to look like rows of suburban homes.

But by the 1970s, nearby residents were lodging frequent complaints about noise and pollution. After decades of arguments, the Federal Aviation Administration agreed in 2017 to let Santa Monica close the airport after Dec. 31, 2028.

Frank Gruber stands on the observation deck of the Santa Monica Airport, overlooking land he envisions turning into a sprawling public park.

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Frank Gruber, one of the park supporters, said the aviation industry tried to fight closure of the airport by telling residents it could end up being used for high-rise developments. He said changing plans now could reopen the question of keeping the airport.

Plus, Gruber argued, this land is not a great location now that the city has changed policies to encourage affordable housing elsewhere.

“There's no provision for putting schools there,” Gruber said. “There's no provision for supermarkets. They're basically creating isolated super blocks, to use that urbanism kind of expression, where people would be car dependent. It just doesn't make sense.”

‘We want to be part of that community, too’

The ballot measure would not include specific plans for funding new housing. It would only change land use to allow residential development. Proponents say because the city owns the land, housing revenue could help fund park facilities, which the city also needs to budget for.

While driving through slow-crawling traffic along the Sepulveda Pass, Luis Martinez — the Fairmont hotel worker — said his Westside roots run deep.

Martinez grew up in South L.A., but he would wake up early to attend Paul Revere Charter Middle School and Palisades Charter High School. Later, he studied at Santa Monica College.

“I grew up being in traffic,” Martinez said. “I grew up commuting.”

Luis Martinez stands in front of the Fairmont Miramar Hotel in Santa Monica, where he has worked for eight years.

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After eight years of working at the Fairmont Hotel, he said he feels even more connected to Santa Monica. And he believes workers like him deserve a chance to live there.

“It's such a good environment for kids to grow up, and I want my kid to be a part of that,” Martinez said. “Everyone's very involved in what happens in Santa Monica. They're very informed. They're very pro-Santa Monica. It's its own community. Just know that we want to be part of that community, too.”

Ballot initiative proponents need to turn in 7,038 valid signatures by mid-June to qualify for the November ballot.

A new analysis of alerts sent during the Eaton Fire found “no failure” by emergency officials to issue timely evacuation orders to areas west of Lake Avenue in Altadena.

The timing of alerts to neighborhoods west of Lake, where all but one of 19 deaths in that fire occurred, has been under scrutiny since the January 2025 fire.

The independent report by Citygate Associates was commissioned by the L.A. County Fire Department at the start of this year and was released Monday.

Its conclusions are similar to those of after-action reports from other firms — that officials did the best they could amid unprecedented fire conditions and strained resources.

“While the report provides an honest account of our operations, we recognize that no investigation can truly capture the horror and tragedy residents endured,” said L.A. County Fire Chief Anthony Marrone in a prepared statement. “My focus is to ensure that the lessons learned from the Eaton and Palisades fires are turned into lasting changes that will better protect our residents and neighborhoods into the future.”

Altadena resident Zaire Calvin — whose sister died in the fire and whose own home burned down — said the report feels like another “slap in the face.” He said he wanted to see details on any mistakes that may have been made. But reading the report, he felt blame was once again largely placed on unprecedented fire conditions.

“A  community that's already down, a community that's fighting for their lives, a community that's fighting all of the people trying to take property from them — at some point you just want accountability,” Calvin said.

L.A. County Supervisor Kathryn Barger, who represents Altadena, said in a prepared statement that the “investigation should not be interpreted as dismissing the experiences of residents. Public trust requires both accountability and a willingness to learn from every aspect of a disaster response.”

Citygate Associates, which produced an after-action report on the 2018 Woolsey Fire, used interviews, operational records, dispatch records and internal communications to analyze decisionmaking between 9 p.m. on Jan. 7, 2025, and 6 a.m. the following day.

Some of the main findings include the following:

• With aircraft grounded by  high winds, “Incident Command was forced to fight a fire while blind to its movements.” 
• Evacuation decisions were not based on “race, age or socioeconomics.” 
• “Evacuation planners who created the evacuation zone areas well before the fire tried to use, where possible, major north/south and east/west streets. … Thus, Lake Avenue was a natural, very long street that could be utilized as an anchor for creating evacuation zones.” 
• Other fire timeline reviews cite reports of fire moving westward between 11 p.m. and just before midnight, but Citygate staffers write that strained resources were focused on the eastern front of the fire at that time, which was the direction the fire was initially spreading, and that “fire progression maps … do not show the the Eaton Fire directly impacting western neighborhoods at that time.” 
• The fire initially spread westward more slowly, and did not escalate significantly until early in the morning on Jan. 8.
• Reports of fires before 1 a.m. west of Lake Avenue were likely a result of downed power lines.
• By 2 a.m., radio reports indicated embers were being cast deeper into Altadena. 
• Discussions to expand evacuation orders west started at 2:18 a.m., with evacuation orders being sent to residents west of Lake by 3:25 a.m. 
• The main fire front crossed west of Lake Avenue by about 5:15 a.m. 

Find the full report here. 

Huntington Beach must pay $50,000 for each month it continues to fail to comply with the state’s mandate to zone for more housing, according to a recent court ruling. For several years now, the city has been waging a court battle against the state's order to make way for 40,000 new homes.

The judge ruled that the city should be penalized $10,000 per month going back to January 2025, and then fined $50,000 per month, starting next month, until the city gets a compliant housing element approved.

The backstory

State law requires California cities and counties to plan for enough housing to meet the expected demand over an eight-year time period, including for low-income housing. Huntington Beach, citing its independence as a charter city, has fought its most recent housing allocation all the way up to the U.S. Supreme Court, which declined to review the case last year.

Does the state require cities to actually build that many homes?

No. Cities are not required to actually build housing, but rather to make sure their zoning and land use codes accommodate the amount of housing assigned to them through what’s known as the Regional Housing Needs Assessment (RHNA).

What does the city say?

In a statement, Casey McKeon, the city’s mayor, said the city “strongly opposes these penalties and will continue fighting for the rights of our residents and for the principle of local control against ongoing efforts by the Attorney General to centralize land use authority in Sacramento.”

Is Huntington Beach an outlier?

Yes. Huntington Beach is an outlier in its aggressive fight against the state housing mandates. More than 90% of California’s 539 jurisdictions are in compliance with the state requirement to plan for the amount of housing assigned to them through the latest RHNA cycle.

What’s next?

The city recently posted draft revisions to its housing plan — for the first time since 2021. That’s significant because the city’s efforts to come into state compliance have been paused for years.

One complication with compliance: Huntington Beach residents voted to require any major changes to the city’s zoning, including its state-mandated housing plan, to be put up for a public vote. That could mean more delays in coming into state compliance, and consequently, more fines, at a time when the city is facing a budget crunch.

During a press conference following a shooting at the San Diego Islamic Center, San Diego Police Department Chief Scott Wahl confirmed three adult victims at the center and the two suspects are dead.

Police said the suspects were found dead in the vehicle nearby. They were 17 and 19 years old. The motivation behind the shooting is unknown at this time.

Wahl said in 28 years, this is the most dynamic and impressive response he's seen in policing with help coming from agencies all over the county.

Imam of the Islamic Center of San Diego Taha Hassane said the center stands in solidarity "with all of the families in our community here and all the mosques and places of worship" in San Diego.

"This is something that we never expected, and I would also like to thank all the people who contacted us from all over the country and overseas to offer their condolences."

San Diego Mayor Todd Gloria was also present at the news conference.

"We will do anything it takes to make sure you feel safe in this city," Gloria said.

In a statement, the Council on American-Islamic Relations-San Diego Executive Director Tazheen Nizam said:

“We strongly condemn this horrifying act of violence at the Islamic Center of San Diego. Our thoughts are with everyone impacted by this attack. No one should ever fear for their safety while attending prayers or studying at an elementary school. We are working to learn more about this incident and we encourage everyone to keep this community in your prayers."

The active shooter situation was reported at 11:43 a.m. at ICSD in the 7000 block of Eckstrom Avenue in Clairemont, according to SDPD.

The department is asking people to avoid the area.

A reunification location for those impacted by the incident has been established at 4125 Hathaway Street.

According to our news partner ABC 10News, authorities shut down northbound and southbound Interstate 805 at Balboa Avenue due to the law enforcement activity.

The San Diego Unified School District confirmed several campuses were placed on lock down. SDUSD spokesperson James Canning said lockdowns are gradually being lifted but schools closest to the Islamic Center will be the last to have their lockdowns lifted.

The Islamic Center is the largest mosque in San Diego County. The center holds five daily prayers.