The Brief

Homeowners who lost everything in the January wildfires are still on the hook for their mortgage payments. And in the coming months, some of them could end up paying rent for their temporary housing too.

It could take years for displaced homeowners to rebuild and move back into their neighborhoods. But some fire survivors will run out of insurance money to pay for temporary housing before they can return home, according to a new survey of nearly 2,000 survivors compiled by the organization Department of Angels.

Some people have already run out. Others didn't have coverage for costs like temporary housing — typically known as "loss of use" or "additional living expenses" coverage.

In all, the report found that 6 in 10 of people displaced by the Eaton and Palisades fires won't have coverage left for temporary housing within the year.

The same report found that 77% of survivors who are displaced estimated rebuilding would take two years or more. This could stick displaced families with yet another challenge to returning to their neighborhoods: paying rent and a mortgage at the same time.

Andrew King, who has been helping neighbors navigate fire recovery since their block went up in flames, said he sees a crisis brewing that could upend plans to rebuild.

" If they run out of the temporary housing coverage, then they're gonna be forced to make a really difficult decision about whether or not they have to sell their home or figure out a way to keep paying their rent and their mortgage," he said. " I started kind of imagining this as a ticking time bomb."

How did we get here? 

Home insurance typically includes coverage for “loss of use” or “additional living expenses” that come from not being able to use a home after a loss. This bucket of coverage pays for things like rent for a temporary home. Under the California FAIR Plan, the insurance pot used for these costs is “fair rental value," which is coverage based on the rental value of the home before the loss.

The problem is that money for displacement costs has a limit that often doesn't cover all of survivors' needs, according to Amy Bach with the advocacy organization United Policyholders. She helps disaster survivors navigate their insurance policies and said it's a problem she's seen after other fires.

" People running out — it's been such a big problem," she said.

Rents skyrocketed in the weeks after the January fires, as displaced families entered an already tight housing market. Angela Giacchetti, who works for the Department of Angels, said this means that many families are paying rent far higher than their mortgage.

"People are kind of burning through that money very quickly," Giacchetti said. "And so what we're looking at essentially is a cliff of displacement on top of displacement."

It's a problem Nicole Wirth saw coming when she and her husband lost their Altadena home in the Eaton Fire. Her insurance offers a maximum of $95,000 for "loss of use" of their house, and she worried that wouldn't last them until their rebuild was over.

After looking at the high price of rentals, including a back house across the street from the rubble of their home going for $4,250 a month, they decided not to move into a short-term or year-long rental right away. Instead they moved around, living with family, in hotels, in back houses, and even in their camper van for periods.

Over five months, Wirth estimated that she moved 26 times, including extended stays at campsites, before landing at a place in May that is affordable enough to last until their rebuild is complete.

" This whole loss-of-use situation was probably the most traumatic part of all of it," she said, speaking about life since January. "Just because of trying to find a place within the budget that we were given by our insurance."

Options once you run out

Disaster experts told LAist that one option for people facing an insurance cliff is appealing a claim with the Federal Emergency Management Agency, which can cover up to 18 months of rental assistance.

FEMA has faced criticisms from some fire survivors who say it hasn't met their expectations. According to a recent LAist analysis of FEMA data, assistance to eligible survivors has covered around 7% of their assessed damage costs so far on average.

The deadline for filing an application with FEMA has passed, but it's still possible to appeal its decisions.

Aimee Williams, who works with homeowners at Bet Tzedek Legal Services in Los Angeles, said in past disasters, some homeowners have moved back onto their lots during the rebuilding process and lived in an ADU or tiny house to avoid paying rent and a mortgage at the same time.

" We are seeing a lot of people who are underinsured," Williams said. "Unfortunately that's really common. And people often find that out only when a disaster like this happens, how common that actually is."

Could this lead people to sell?

Coming insurance woes aren't the only issue for homeowners. Some are already struggling to pay their mortgages. Homeowners who delayed payments through a state forbearance program told LAist that their mortgage companies are now demanding quick, full repayment despite state rules.

Andrew King, who lost his home in the Eaton Fire, said he fears that insurance money running dry will derail his neighbors' plans to return to Altadena.

" You are going to have folks that are likely not going to be able to stay in their homes, and that is going to dramatically impact recovery," he said.

Most survey respondents who were displaced by the Eaton and Palisades fires said they want to return and rebuild.

It remains unclear how many of them will be able to.

Several local groups in SoCal have planned demonstrations today over the fatal shooting of a man by federal agents in Minnesota on Saturday morning.

Here’s a list of some of those actions today:

• Echo Park
  
  • 11 a.m. to 2 p.m. at the corner of Park Avenue & Echo Park Lake Avenue
• Irvine
  
  • 11 a.m. to 1 p.m. at the Corner of Culver Drive & Barranca Parkway
• Ontario
  
  • Starts at 11:30 a.m at Euclid Avenue & Holt Boulevard
• Cypress Park
  
  • Noon to 2 p.m. at The Home Depot on 2055 N. Figueroa St.
• Rancho Cucamonga
  
  • Noon to 2 p.m. at Haven Avenue & Foothill Boulevard
• Long Beach
  
  • Starts at 3 p.m. at the intersection of Pine Avenue and 3rd Street
• Downtown Los Angeles
  
  • Starts at 3 p.m. outside of the Federal Building, at 300 North Los Angeles Street

Some 31,000 nurses, pharmacists and healthcare workers employed by Kaiser Permanente will begin an open-ended strike tomorrow in California and Hawaii, with 28,000 of those workers in California alone.

The health system and the union representing Kaiser workers — United Nurses Associations of California & the Union of Health Care Professionals — have been negotiating for a new labor contract for months. Core bargaining issues include wages for nurses, understaffing and retirement benefits.

"Staffing's been a big problem,  wages, working conditions ... and that's just to name a few," said Peter Sidhu, Executive Vice President of UNAC/UCHP. "We will have the largest open-ended healthcare strike in U.S. history."

Picketing is slated to begin at 12 local Kaiser medical facilities in the following communities: Anaheim, Baldwin Park, Downey, Fontana, Irvine, Los Angeles, Ontario, Riverside, Harbor City, Panorama City, West Los Angeles and Woodland Hills.

Kaiser said in a statement that their hospitals and medical offices will stay open during the strikes, but some pharmacies will close.

Billions of dollars are pouring into data centers to power streaming services, cloud storage and the biggest energy monster of all, artificial intelligence.

Dozens of data centers already dot the region, from El Segundo to downtown L.A. But in Monterey Park, residents concerned about the environmental and health impacts of data centers are drawing a line.

A developer has proposed building a nearly 250,000-square-foot data center in a local business park. Last Wednesday night, hundreds of people packed City Hall to say they didn’t want it — or for that matter, any such facility.

“No data centers in Monterey Park!” the crowd chanted.

Residents’ immediate goal was to ensure the City Council approved a 45-day moratorium on data center development, an item added to the agenda after weeks of mounting public pressure.

What they got, in a meeting that stretched past midnight, was the council’s commitment to draft an outright ban during the 45-day period for a later vote. “That is more than I ever could have hoped for from this meeting,” resident Steven J. Kung said. “I am shocked and a little bit overjoyed.”

Residents organize

Hours earlier at a rally he helped lead outside City Hall, Kung had been far more cautious.

He expressed little faith in city officials, especially after learning that the project had been moving through the city’s planning process for about two years without his knowledge.

Kung said he only found out about the proposal from the Australian-based developer when his husband showed him a social media post by SGV Progressive Action last month — despite their living about 1,300 feet from the proposed site.

“I was incensed that no one had told me, especially since I lived so close,” he said.

Steven J. Kung is part of the activist and resident-led No Data Center Monterey Park.

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Kung joined a grassroots group of residents and activists called No Data Center Monterey Park, which has organized teach-ins, canvassing drives and yard sign campaigns in the weeks leading up to the vote.

Developer's promises

The developer, HMC StratCap, has said its proposed data center on 1977 Saturn Street would generate more than $5 million a year in tax revenue and more than 200 jobs during construction. It’s also promised to build a public park.

But residents said that’s not worth the tradeoff of the massive energy demand of data centers, pollution from diesel backup generators and noise from cooling equipment.

The developer counters that the generators will be strictly regulated, a “closed-loop cooling technology” will use water efficiently and noise will be “similar to a typical commercial area,” according to a handout shared with residents at Wednesday’s meeting.

Monterey Park City Hall was packed to capacity as people waited to testify in opposition to a proposed data center.

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The developer has also agreed to an environmental impact report.

Kung and others say an EIR is the least the developer should do. They say they’re also troubled by the decision to locate a data center in a city of roughly 60,000 people, more than half of them immigrants.

“They see a small city full of Asians and Latinos, and they don’t think we’ll fight back,” Kung said. “But they’re wrong.”

“People, not machines”

So many people showed up that the lobby was converted into overflow space.

Among them was Alex Leon, a mathematician who attended with his wife, a phlebotomist, and their two young daughters.

“This has kind of been our dream, living in Monterey Park,” Leon said. “I just don’t want it to turn into an industrial farm for big data.”

Alex Leon came to speak out against the proposed data center with his wife Janette and their two daughters.

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Like dozens of others, Leon wasn’t there just to watch, but wanted council members to listen. When his turn came to give comment, he met the eyes of the council members.

“Monterey Park should be built for people, not machines,” he said. “For families, not server racks. For community life, not industrial infrastructure. This is our home, and it’s worth defending.”

“Open and honest conversations”

A handful of speakers supported the project, including a representative for the developer. Laziza Lambert pivoted at the podium to face the crowd.

“We just really want to be good, long-term partners with the community and hope to have open and honest conversations,” she said, as some in the audience started to jeer.

Residents voiced concerns that once one data center is approved, the floodgates would open, noting that the developer owns another parcel on the same street.

But much of the anger that night was aimed at city leaders. Speaker after speaker said they had been kept in the dark.

Tran and

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Katherine Torres, a real estate agent and president of the Monterey Park Women’s Club, said the organization is apolitical, but she would be sure to tell the members.

“I swear, I’m going to spread the word about the data center because they need to know,” she said as the room erupted in applause.

She looked at the council members with whom she was on a first-name basis.

“I have dinner with you guys,” she said. “I go to your events. Why didn’t I know?”

A surprise shift

By the fifth hour, nearly 80 residents had spoken. Then it was the council’s turn to give comments before their vote on the 45-day moratorium.

Two members said they supported going beyond a temporary pause and considering a permanent ban. Jose Sanchez’s opposition to data centers was already known to those closely following the issue. But Elizabeth Yang’s was not.

Yang told the room that her mother and stepfather live within a mile of the proposed site.

The council meeting was preceded by a rally against data centers.

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“I’m not going to vote for something that’s going to hurt my own family,” she said.

She added she was disappointed the developer had not done more with outreach and information.

“Because of all of you feeding us good information, I’m siding with no data center,” Yang said.

The remaining residents started clapping and rose to their feet.

What’s ahead

The council unanimously approved the 45-day moratorium during which city staff will draft an ordinance that could ban data centers outright — a proposal that will return to the council for a vote.

Outside council chambers, Steven J. Kung praised his fellow residents for speaking out and pushing the council to think bigger.

“I’m so proud of Monterey Park and our residents,” he said. “The more I’m here, the more I fall in love with the people.”

He’d celebrate that night. But then it’d be back to work, making sure the ban stands and Monterey Park keeps data centers out for good.

The developer would not be sitting back either. Lambert, the representative for the developer, said they were moving forward with plans to host a town hall with residents in the next couple of weeks.

When Christian Bryson needs quick weather information, like for this weekend's massive snowstorm, he doesn't wait for the 5 p.m. local newscast. Instead, he turns to Ryan Hall.

"It's as if he's sitting in the living room with you tracking the storm," said Bryson, a 21-year-old meteorology student at the University of Tennessee at Martin.

Hall, who goes by "Ryan Hall, Y'all" on his social media platforms, calls himself a "digital meteorologist" and "The Internet's Weather Man." His YouTube channel has over 3 million subscribers. Hall did not respond to a request to comment about his platform.
Hall is part of an increasingly popular genre of social media weather accounts that share information leading up to extreme weather, and then livestream for their viewers, sometimes for hours at a time. Overall, Hall offers solid information and is a good communicator with a few technical omissions, experts told NPR. But the weather genre online spans a wide range of sources — from amateurs with no science background to accredited meteorologists.
Experts say that while weather influencers can help fill an information gap, platforms like TikTok, Instagram, and X tend to prioritize engagement and likes over accuracy. That means extreme weather updates on social media are often sensationalized or lack context, says Gary Lackmann, a professor of atmospheric science at North Carolina State University.
"They're not going to the National Weather Service web page, they're just looking at what's in their feed," Lackmann said. "Once you start clicking on viral extreme weather stuff, then the algorithm is going to just feed you more and more."

Rise in social media use for weather updates

Lackmann, who is also head of NC State's department of marine, earth and atmospheric sciences, said in 2024 during Hurricane Helene, a weather disaster that swamped western North Carolina, killing 108 people, he started to see more and more people getting their weather information from social media
He says that, in the face of extreme weather events, people need credible and authoritative sources such as the NWS.
But with social media, sometimes "you get some kid who wants to get a lot of shares and likes and be an influencer on social media," he said.
Matthew Cappucci, a senior meteorologist for the weather app MyRadar, has personal experience with both worlds. He worked for years at the Washington Post as a meteorologist, and now posts weather forecasts on the internet.
Cappucci said his success on Facebook, Instagram, and X shows how rapidly people are shifting from getting their weather information from traditional news outlets versus social media.
"Within two months, I was able to reach 60 million-plus people on social media, just on Facebook," Cappucci said
Bryson, the 21-year-old, said Hall and other credible weather influencers use language that non-meteorologists understand and they can share information at any time of the day.
"The fact that it's available at your fingertips," Bryson said. "I could go to Ryan Hall at 4 p.m. I'm eating my dinner and get the information that I need."

Digital meteorology can help fill information gaps 

There are positives to having meteorologists and credible weather sources on social media, Lackmann said. He's seen local weather influencers in North Carolina help disperse information from official outlets.

"There's a real need for that kind of localization and personalization of weather information," Lackmann said.
Aaron Scott, an assistant professor of meteorology at the University of Tennessee at Martin, said digital meteorology, a relatively new certification program that encompasses all forms of digital media, has an important place in the new media landscape.
"People do trust them, and they have built rapport," Scott said. "Sometimes that can make the difference if someone's going to actually go take shelter from a tornado or not."
Scott's department at UT Martin is now offering a digital meteorology class dedicated to teaching students how to engage with an online audience.
Cappucci also sees the positives with his own content. Social media allows for more flexibility than on-air television, he said. He pushes back on climate misinformation or weather conspiracy theorists.

A minefield of misinformation on social media

But all three experts interviewed by NPR see the downsides in the way social media algorithms push the most sensationalized — not always the most accurate — information to the forefront.
"The brightest colors, the most outlandish information will always get more following than actual truthful information," Cappucci said.
Cappucci said the ability to make increasing amounts of money on social media can also lead to inaccurate weather information.
"As TV viewership wanes and as salaries come down, it's easier to make up that money by posting crazy stuff online," Cappucci said.
Meteorologists use a number of different numerical models as they predict the possible outcomes of an extreme weather event. Because of this, people can "cherry-pick" one model and sensationalize a forecast, Lackmann said.
"You cry wolf too often, and people won't take proper precautions when there really is a high probability of an extreme event," Lackmann said.

The effort to preserve credible weather reports

Meteorologists and other weather professionals are grappling with how to navigate the new media landscape and prioritize accurate information, the experts said.
NWS has increased its social media presence, Lackmann said. Experts at the American Meteorological Society have discussed a social media certification that extends beyond the digital media certification currently available.

Scott said how the field will grapple with social media, and now AI-generated media, is "a huge question mark."
"That's the million-dollar question," Scott said. "How do we make it? Do we have some type of badging system where you're certified, you're not? Then, who decides that?"
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