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Scientists are conducting controlled burn experiments on test houses to determine what building materials will best protect homes from wildfires. Research in this area has already had an impact on California's fire codes. "Mitigation actions really can reduce the risk to wildfires," explained Murray Morrison, managing director of research...

33,257 次观看 • 5 个月前 •via X (Twitter)

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Friedberg: California Created an Insurance Crisis by Artificially Inflating Home Prices david friedberg broke it down on episode 210: -- the frequency of loss is INCREASING for homes in climate-sensitive zones (areas with wildfires, hurricanes, tornadoes, etc.) -- this includes parts of los angeles susceptible to wildfires -- in a free market, the cost of insurance would rise with the increased risk of loss -- however, california makes it nearly impossible for home insurance providers to increase rates -- this artificially inflates home prices, due to the massively subsidized insurance costs " They're driving real estate value up because they're not allowing the cost of insurance of that real estate to naturally float." " And so by driving real estate values up, the economy looks good, they make property taxes, income comes in." -- but, major insurance providers like state farm pulled out of certain at-risk areas in the state -- for example, state farm canceled ~1600 policies in pacific palisades last summer -- californians living in at-risk areas are now relying on the state's insurance program (the "fair plan") in record numbers -- according to friedberg, the fair plan has ~$220M of capital with ~$5B of reinsurance -- after this string of wildfires, the program has ~$6B of exposure in the pacific palisades alone, and could have $24B+ in total losses -- so, california's state insurance plan is effectively bankrupt, and will need a bailout " At the end of the day, the bill is going to come due." "And at some point, taxpayers are going to look at the fact that they're paying some percentage of their income to support someone else's home value, and they're going to say 'Enough is enough.'"

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Why Are Trees Left Standing After Wildfires Destroy Homes? 🌲🔥 Many of you have wondered why trees often remain standing after a wildfire, even when nearby houses and structures are destroyed. The answer lies in the difference between wildfires and conflagrations. Wildfire vs. Conflagration In a wildfire, flames often move as a front, consuming vegetation but not always spreading to everything in their path. Conflagrations, on the other hand, occur when one structure catches fire and spreads through flammable connections, like wood fences, igniting house after house. This also occurs more easily due to the intense heat produced by a structure fire coupled with the close proximity of structures. Why Trees Survive: Some trees have natural adaptation to withstand fire. * Thick Bark: Acts as a heat shield, protecting the inner layers. * Natural Shape: Sheds embers and debris, reducing ignition risk. * Moisture Content: Higher moisture content than older building materials slows the spread of fire. While trees may still be singed, they are often less flammable than structures. Why Homes Are More Vulnerable: Houses are built with materials and features that make them prone to ignition: * Combustible Materials: Wood siding and roofing can ignite quickly, especially from nearby fires. * Openings & Vents: Embers can enter and spark fires inside, even from a distance. * Heat Traps: Flat surfaces and air currents can intensify flames once they reach the interior. Removing flammable items within the first five feet (Zone 0) of a home creates a defensible space, helping to break the pathway for wildfire spread and reducing the risk of flames reaching structures. Take action to safeguard your home against wildfire risks! 🌟 Learn how to prepare at

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10,066 次观看 • 3 个月前