The Brief

As the wildfires in Los Angeles tear through hillsides, raze neighborhoods and displace residents, it's too early to know how vast the destruction will be when the last of the flames is put out. Initial estimates predict that the costs will be massive. One leading climate scientist, Daniel Swain of UCLA told KQED that the fires could become some of the costliest in U.S. history; as of Monday afternoon, AccuWeather experts said that total losses could cost somewhere from $250 billion to $275 billion.

Those final, unknown costs and eventual payouts coincide with an inflection point in California's home insurance market, the biggest in the U.S., in the age of climate change. Home insurance rates are increasing across the country, but the Golden State has been hit particularly hard as wildfire seasons have become more devastating, amid hotter temperatures and drought-dried vegetation.
Experts and policymakers agree: Climate change is upending the way that homes are insured in the United States. Across the country, what were once "once-in-a-generation" weather catastrophes occur much more frequently. And as insurance companies contend with the sum total of these disasters, those higher costs are passed on to policyholders.

In many respects, California has a uniquely complicated insurance situation. But it's a problem throughout the country: The effects of climate change are coming for people's home insurance bills.

California faces 'an insurance crisis like we've never seen'

Insurance rates in California have been slowly ticking up for years, though climate change isn't the only driving factor, according to Meredith Fowlie, a professor of agricultural and resource economics at UC Berkeley who researches the links between wildfire risk and insurance prices.

Simply put: The costs of doing business are going up, such as increased costs of the construction materials and skilled labor needed to repair and rebuild homes, as well as higher interest rates, she says. That's the case across the country.

In her research, though, it's clear that the worsening wildfire seasons have been a major driving force behind California's market instability. Specifically, the 2017 and 2018 seasons were "particularly devastating, raising concerns about the insurability of catastrophic wildfire risk," according to a study she co-authored, published last June with the National Bureau of Economic Research (NBER).
The massive losses incurred from those fires "wiped out more than a quarter century of cumulative profits for the industry twice over," according to Carolyn Kousky, of the Environmental Defense Fund, who researches climate risk and policy. "So that was a bit of a shake-up for people and a recognition that climate impacts are here and are costly and the risk isn't stabilizing — it's continuing to go up."

A person walks along a fire-ravaged street in the Pacific Palisades on Saturday.

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That coincided with the industry investing more heavily in better analytics and modeling of insurance risk, Fowlie says.

"These newer risk-modeling tools are definitely helping insurers come to terms with what wildfire risk looks like in California and how they'd want to price it in order to ensure that they are ready to pay when claims come in," she says.
The results of all this hit consumers hard, according to the NBER study. Premiums rose, especially in areas where fires had hit or that were otherwise deemed high risk by insurers. Insurers paused writing of new policies or told people their plans wouldn't be renewed; and increasing numbers of people had to resort to California's FAIR Plan, a semiprivate insurance plan of last resort, which has considerably higher premiums and less coverage than traditional plans. (The FAIR Plan covers 1 in 5 homes in the Pacific Palisades, CalMatters reported.)
And since home insurance is a prerequisite for getting and having a mortgage, Fowlie says, it's a particularly pressing issue for those who live in those high-risk ZIP codes, many of whom are struggling to afford the higher insurance rates needed for homeownership.

"California has been suffering from an insurance crisis like we've never seen," California Insurance Commissioner Ricardo Lara says.

Insurance markets across the country are feeling similarly pinched

Shawn Murphy removes drywall at a friend's house after flooding from Hurricane Francine in September 2024.

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California's litany of problems — high premiums, less availability of insurers and increasing numbers of people on insurance plans of last resort — echo across the country, the Environmental Defense Fund's Kousky says. Florida and Louisiana are seeing similar levels of market instability, thanks to worsened hurricane seasons as rising temperatures and sea levels make hurricanes more intense and flooding worse.
Take Florida, where 16 insurer carriers have become insolvent since 2017 and 16 others have stopped writing policies, even though Floridians pay the highest premiums on average in the United States. The state-backed insurer of last resort, Citizens Property Insurance, started getting many more policy holders, NPR reported in 2022.
When Hurricane Ian hit the state in September 2022, many worried that the expensive payouts could be the final straw for many insurance companies. And it was, Central Florida Public Media reported, as Ian proved to be the most expensive storm in Florida history: Over 30 insurance carriers left the state.
Hurricanes and wildfires have been making conditions in Florida, Louisiana and California extreme, but there's a similar trend nationwide, Kousky says. Texas and Colorado had to create state-backed insurance programs because of insurance issues with wildfires, she said, and coastal New Jersey has dealt with rising sea levels that make flooding more likely.

Flames explode as wildfires burn near a shopping center near Broomfield, Colo., on Dec. 30, 2021.

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Across the country, household budgets have been absorbing higher home insurance costs, Fowlie says. Adjusted for inflation, she says, premiums have increased 13% on average since 2020 — though that figure doesn't illustrate how lopsided they have gotten in some parts of the country.

It's something that state insurance commissioners across the country have their eyes on, says Lara, who chairs the climate resiliency committee at the National Association of Insurance Commissioners. And he uses what has happened in California's market as an example of what could happen to others.

"What we've been telling people nationally and in our meetings with other insurance commissioners is do not wait until California comes to a theater near you and you're getting insurance companies to either restrict their portfolios in the state or leaving the state," he says.

Firefighters from an Oregon strike team survey damage Sunday at a Sunset Boulevard home leveled by the Palisades Fire.

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The L.A. fires come as insurers are poised to come back to California

In the near future, insurance rates in California are expected to spike — but not necessarily because of the fires. At the end of 2024, the California Department of Insurance passed long-anticipated regulations in an attempt to increase access to insurance.

There are many parts to the new regulations, but chief among them is something that insurance companies had asked from state regulators for years: being able to base rates on forward-looking models of climate risk in the state, without needing to cite historical data. In exchange, the companies committed to writing more policies in high-wildfire-risk areas and factoring in any fire-mitigation efforts into lowering those rates.
"Those were concessions to the insurance industry to create an environment that they feel more comfortable doing business in," says Amy Bach, executive director of United Policyholders, a nonprofit group that advocates for people with insurance policies.\

Like other experts, she expects this to increase rates in the short term as insurers adjust their prices. But it's unclear whether this latest batch of wildfires will upend these efforts to stabilize the market, she says.
Lara, though, is optimistic that the market will improve within a year but acknowledges that "this fire complicates an already complicated situation."

It's a test case of whether policy reform can meet climate challenges

These rules don't just have implications for California — Lara hopes that these new reforms can be a road map for other states that are trying to adjust for climate change's effects on homeownership. "If we're going to have a solvent insurance market in the country, insurance can no longer be an afterthought in the national and global conversations around climate change. Insurance has to be at the forefront."

But if the past few years have demonstrated anything, it's that traditional insurance models have had trouble accounting for the "known unknown" risks that climate change poses, the Environmental Defense Fund's Kousky says, making it difficult to provide coverage affordably.
"I think the big question now, after what we're seeing in the L.A. region, is, you know, how far can regulatory changes go in helping maintain insurability in this environment of really catastrophic wildfire risk?" she says.

What has become clear, though, is that it's a problem that U.S. homeowners are not going to be able to ignore.
"It's the one place where I feel lots of Americans are seeing the costs of climate hit their pocketbooks," she says. "And it's like a kitchen table economics problem now. And yet it's directly related to what we've been doing with the climate. And I think it's maybe one of the first places that lots of people are grappling with that."

Copyright 2025 NPR

Orange County is set to host two competitions during the Olympics in 2028, with surfing in San Clemente and volleyball in Anaheim. The global event is set to attract millions of fans to the region, and OC officials now want to figure out how to make money off the Games.

The Board of Supervisors on Tuesday voted to create the LA 28 Olympic Preparedness Committee, which will be led by Supervisors Katrina Foley and Vicente Sarmiento.

Foley said the county is behind in preparing for the Olympics and the revenue opportunities that may come with the Games.

“Right now, Orange County doesn't really have a seat at the table, so we felt like we needed to get going,” Foley told Laist. “We did miss that opportunity in 1984, and we don't want that to happen again.”

The county is not responsible for paying for the Olympics, but Foley said the committee will work to find out what associated costs there may be.

Those costs could come from transportation needs, security, community events and more.

“It will be a long list,” Sarmiento added. “And we're not going to solve it all, but we need to ask the questions so later on we don't say, 'Why weren't these questions asked?’ or ‘Why wasn't even a discussion entertained?’”

How much of the Games will be in the OC? 

Surfing will be held at a famed break south of San Clemente and volleyball will be held at the Honda Center in Anaheim.

Mike Lyster, Anaheim’s chief communications officer, said the city doesn’t have the full details yet on the cost of hosting the volleyball tournament, but that the city is no stranger to large sporting events.

“The Olympics do bring some added dimension with international visitors and other considerations,” Lyster said. “We are working through that now to best understand what it entails.”

The county is also set to host several countries during the Games, according to Foley.

“We just learned that Italy is taking over all of Cal State Fullerton. That's great news for Orange County,” Foley said. “UCI is going to be an Olympic Village. Dana Point Harbor, we're going to create what I'm calling a seaside Olympic Village, not an official village of the Olympics, but official for Orange County.”

Officials say the athletes and the fans could help the county bolster its tourism.

“This isn't just about the Olympics in 2028,” Foley said. “This is about showcasing Orange County as a place for people to want to come back to after the Olympics.”

How much will Olympic-related spending cost the county? 

That number is elusive, Sarmiento told LAist, and the committee will ask for a report on what the county could be on the hook for.

“We'll be trying to anticipate and predict what the cost would be,” Sarmiento said. “But also being preemptive and looking to both the state and the federal administration to see, are there monies that they are going to be providing for the region?”

Supervisor Doug Chaffee said during Tuesday’s meeting that state and federal funding is in question.

“I know on other boards, such as our transportation board, we're being asked to provide special transportation, but the money hasn't come yet,” Chaffee said. “If the money is offered too late, it'll be hard to provide the transportation.”

Sarmiento said there is interest in developing the relationship between the Los Angeles and Orange counties transportation systems.

“It really is aligning the transportation systems so people can easily access events, training facilities [and] temporary residential sites,” Sarmiento added.

Last month, the Trump administration’s federal budget proposal for L.A. Metro’s key transit plan for the Games didn’t provide a dime of the $2 billion the agency is seeking. The plan includes using thousands of buses to scatter venues hosting the Games.

What could this mean for Orange County residents? 

The committee will also look into organizing community events, like public watch parties and its own fan zones.

“At the county parks, where we currently have movie nights and concerts and we can host 2,000 people, I would like to see us have viewing opportunities and experiences where not only the tourists can participate, but our own residents can participate in the game,” Foley said.

That’s especially important for residents who couldn’t afford the tickets to the Olympics, Sarmiento added.

“Watching them in community, watching them at our parks, at venues that we have available here in the county, is going to be a unique, special experience for many of our residents because we just know they will be priced out of being able to attend in person,” Sarmiento said.

Israel has agreed to begin a 10-day ceasefire in Lebanon, which would pause Israel's conflict with Iran-backed Hezbollah that has escalated since the U.S. and Israel launched a war with Iran. The truce will start Thursday at 5 p.m. Eastern time, President Donald Trump announced.

The devastating conflict in Lebanon has posed a challenge for the shaky ceasefire between the U.S. and Iran, as Iranian leaders have insisted the agreement include Lebanon.

Meanwhile, the U.S. continues enforcing a naval blockade on ships entering and exiting Iranian ports in the Strait of Hormuz, as mediators work to bring about an end to the Iran war that has engulfed the region and caused oil supply disruptions and higher fuel prices around the world.

Here are more updates from the Middle East conflict:

Israel ceasefire in Lebanon | U.S.-Iran talks | Iranian threats

Lebanese displaced woman Mariam Zein sits with her son inside the classroom of a school transformed into a displaced reception center in the area of Dekwaneh, east of Beirut on April 15, 2026.

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Israel agrees to a 10-day ceasefire in the war against Hezbollah in Lebanon

Israeli Prime Minister Benjamin Netanyahu said he has agreed to enter a 10-day ceasefire in the fight against Iran-backed Hezbollah but will not withdraw Israel's troops from southern Lebanon.

His remarks followed President Trump's announcement on social media that Netanyahu and the president of Lebanon agreed to the temporary ceasefire.

Lebanese Prime Minister Nawaf Salam said he welcomed Trump's ceasefire announcement.

But Hezbollah said the Lebanese people have "the right to resist" if Israeli forces remained in Lebanon, Reuters reported, raising the question of whether it will abide by the truce.

Hezbollah has both a political wing, with lawmakers in Lebanon's national parliament, and a militant wing that operates largely independently of the Lebanese government and receives funding and direction from Iran.

Israel's ambassador to the United Nations, Danny Danon, said the ceasefire would take effect at 5 p.m. — but warned that Israeli forces would take action if threatened.

"We will have to follow very carefully what's happening on the ground. And if we will feel threatened, we will react," Danon told reporters at the State Department in Washington. "We are not going anywhere. We are holding our positions."

"The problem is not with the Lebanese government. The problem is with Hezbollah. And it will be challenging," he said.

Trump also said he is inviting Netanyahu and Lebanese President Joseph Aoun to the White House for peace talks.

These developments come two days after Israeli and Lebanese ambassadors to the U.S. held rare talks in Washington, the first direct high-level engagement between the two countries in decades.

Israel had agreed to a ceasefire in Lebanon in 2024, but U.N. peacekeepers recorded more than 10,000 violations of that agreement, mostly by Israeli forces.

The latest chapter of fighting escalated after Israel and the U.S. launched attacks on Iran on Feb. 28. Within a few days, Hezbollah began firing rockets into northern Israel. Israeli forces responded with airstrikes and an invasion of southern Lebanon.

Israeli strikes have killed more than 2,100 people and displaced over 1 million in Lebanon, according to Lebanese authorities.

Hezbollah's attacks have killed at least 12 Israeli soldiers and two civilians, according to Israeli authorities.

Pakistan army chief visits Tehran to revive talks

Pakistan's army chief, Asim Munir, a key mediator in talks between the U.S. and Iran, was in Iran's capital Tehran Thursday to secure a second round of U.S.-Iran negotiations ahead of April 22, the deadline of the tenuous two-week ceasefire.

Pakistan, which holds strong diplomatic relations with both the U.S. and Iran, has emerged as a key mediator in negotiations between the two countries.

White House press secretary Karoline Leavitt stressed the point on Wednesday, saying the Pakistanis "are the only mediator in this negotiation" and the president felt it's important to streamline the process through them.

Vice President Vance, Washington's lead negotiator, said a major sticking point that led to the breakdown in Saturday's talks was Iran's refusal to commit to abandoning its nuclear ambitions.

In this photo released by Telegram channel of the Iranian Foreign Minister Abbas Araghchi, Foreign Minister Abbas Araghchi, right, welcomes Pakistan's Army Chief Field Marshal Gen. Asim Munir upon his arrival in Tehran, Iran, Wednesday, April 15, 2026.

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Telegram channel of the the Iranian Foreign Minister Abbas Araghchi.

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"The simple fact is that we need to see an affirmative commitment that they will not seek a nuclear weapon, and they will not seek the tools that would enable them to quickly achieve a nuclear weapon," Vance said.

Iran, under its 10-point negotiation plan, demanded an end to Israel's attacks against the Iran-backed militant group Hezbollah as part of any permanent agreement. Other demands from the Iranian delegation included the release of $6 billion in frozen assets, guarantees around its nuclear program and the right to charge ships passing through the Strait of Hormuz.

Iran's military threatens to block key shipping routes

Iran's military warned it will retaliate by blocking other important shipping routes if the US blockade of the Strait of Hormuz continues.

Major-General Ali Abdol-lahi, the commander of Iran's top military command center, renewed threats on Wednesday to halt all trade in the Persian Gulf, the Gulf of Oman and the Red Sea in retaliation for U.S. blockade of Iranian ports.

Of particular concern is Bab al Mandeb, a narrow waterway in the Red Sea for vessels sailing between Europe and Asia. Iranian-aligned Houthi militias in Yemen control much of the coastline near the Bab al Mandeb. Houthis disrupted shipping in that passage during the height of the Gaza war.

Another route that could be in jeopardy if Iran retaliates is a pipeline that Saudi Arabia has used just after the Iran war began on Feb. 28 to divert crude oil from the Persian Gulf to the Red Sea.

A top aide to Iran's supreme leader said Thursday Iran would sink U.S. ships if Trump tries to "police" the Strait of Hormuz and that he'd welcome a ground invasion as a chance to hold US soldiers hostage.

Mohsen Rezaee, a former commander in chief of Iran's Revolutionary Guard Corps, told the Iranian Fars news agency he is personally opposed to a ceasefire, and that Iran is prepared for a prolonged conflict with the United States.

Feelings are mixed among the Iranian public about the possibility of a ceasefire. Many say they welcome an end to the war, but critics of the regime say keeping a hardline government in place will lead to a harsher crackdown on dissent and personal freedoms.

In this voice note shared with NPR, a carpenter in the city of Rasht, who spoke on condition of anonymity because he fears for his safety, said he thinks it's a good sign that Iran has sat at the negotiating table at all. But many, he says — are fed up with and how long the process has taken. It makes people's hopelessness even worse, he said.

Daniel Estrin in Tel Aviv, Israel, Kat Lonsdorf and Jawad Rizkallah in Beirut, Aya Batrawy in Dubai, United Arab Emirates, Ahmed Abuhamda in Cairo, Rebecca Rosman in London, Jackie Northam in Maine, Tina Kraja and Alex Leff in Washington contributed to this report.
Copyright 2026 NPR

Today is officially the last day as a county employee for L.A. County CEO Fesia Davenport, who has been on medical leave for the past six months and received a controversial $2 million taxpayer payout that LAist brought to light last fall.

Davenport announced her planned departure last month, citing health concerns. While on leave, she has faced criticism from the public and county employees over the payout, as well as a lawsuit alleging it was an illegal gift that must be reversed. The payout was labeled “confidential” and kept secret from the public until LAist unearthed it two months later, even though state law requires settlement agreements to be public.

When announcing her plan to step down, Davenport said in a LinkedIn post last month she was doing so “to focus on my health and wellness.” She also emailed CEO office staff to say she’s learned she has a predisposition for the same type of health problem that killed her brother Raymond in 2018 and that two of her sisters experienced last year. One of her sisters will require 24-hour care for the rest of her life, Davenport wrote.

The $2 million payout, approved in secret by county supervisors, was in response to Davenport claiming she was harmed by a voter-approved measure that will change her job into an elected one in December 2028, almost two years after her employment contract was set to expire in early 2027.

The supervisors agreed to pay Davenport the $2 million she had requested, without negotiating her down from that amount. As part of receiving the taxpayer payout, the settlement deal says Davenport cannot make — nor cause anyone else to make — “negative statements or communications disparaging” the Board of Supervisors and other county officials. There are exceptions, including for required testimony and disclosing workplace conduct she believes is unlawful.

The $2 million payout was in addition to Davenport’s county salary of $630,813 in annual base pay.

Leaders of the two largest L.A. County employee unions — representing nurses, social workers, sheriff’s deputies and others — said many of their members were shocked and outraged to learn about the payout from LAist’s reporting. They said Davenport had been telling workers there was no money to give them raises, while secretly negotiating a $2 million payout for herself.

A lawsuit filed by a county resident and taxpayer in February claims the payout was illegal because Davenport did not have a valid legal dispute with the county. Under the state Constitution, local government settlement payouts are illegal gifts of public funds if they’re in response to allegations that completely lack legal merit or exceed the agency’s “maximum exposure,” according to court rulings.

If a judge finds a payment was an illegal gift, they can order the money to be paid back. County lawyers are disputing the case, saying the payout served a legitimate public purpose.

The judge assigned to the lawsuit, James C. Chalfant of L.A. County Superior Court, is retiring at the beginning of next month, before the first scheduled hearing in the case. Online court records do not yet indicate which judge will take over the case.

Last month, county supervisors ordered new transparency measures in response to LAist revealing the payout. The county will now create a public dashboard of settlements between the county and its executives, and make sure all such settlements are reported to the public on meeting agendas after they’re finalized.

Ever since Davenport suddenly went on leave Oct. 8, her CEO role has been filled temporarily by Joe Nicchitta, the county’s chief operating officer.

The county CEO oversees the roughly $50 billion county budget, labor relations with over 100,000 county employees and implementing key priorities of the county Board of Supervisors — including poverty alleviation and addressing homelessness.

County supervisors, who oversee the CEO, will be in charge of selecting a permanent chief executive.

California lawmakers passed legislation in 2017 agreeing to cover up to $270 million of losses related to the Olympic Games after L.A. covers the first $270 million should a deficit occur. That legislation directed the governor to execute a contract solidifying the state's commitment.

But more than eight years later, that contract hasn't been inked by the governor's office.

The state's guarantee is of potentially huge importance to the city of Los Angeles, which took on a huge risk when it agreed to be the financial backstop for the Olympics in order to secure the host city bid. L.A.'s financial exposure is essentially unlimited. If LA28, the private nonprofit running the games, winds up with a deficit exceeding $540 million, the city is responsible for the rest.

When asked about the contract, the governor's office directed LAist to the California Department of Finance. Spokesperson H.D. Palmer said that the state is currently in talks with LA28 and the city of L.A. about contract language, but asserted there are no “sticking points.” He said only that working out contract language takes time.

LAist asked LA28 for more details on what's being discussed and when the contract would be finished.

"We engage regularly with our state partners on various Games planning items and look forward to continuing our strong partnership with the state and the city in the lead up to 2028 as we work to execute a fiscally responsible Games," Jacie Prieto Lopez, vice president of communication and public affairs at LA28, said in a statement.

Ilanna Morales, a spokesperson for L.A. Mayor Karen Bass, told LAist in a text message that the city was "confident that an agreement will be reached and that the 2028 Olympic and Paralympic Games will be a financial success."

The lack of a signed state contract could trigger alarm bells in city government, where some officials are already upset that another key contract remains unsigned. That is an agreement between Los Angeles and LA28 over compensating the city for extra services it will provide for the Olympics, such as police overtime. That contract was scheduled to be signed more than six months ago.

City officials say if that contract isn't airtight, it could leave L.A. with millions in unexpected costs. Referring to that unsigned contract, Councilmember Monica Rodriguez warned CEO Reynold Hoover in a public letter last week that the coming Olympics could "bankrupt" the city.