According to the example on this Wikipedia page you live in a village not a town. Just thought it was neat.
Isn’t this old news? We’ve known about China and other countries hacking US infrastructure for decades. See: https://apnews.com/general-news-c8d531ec05e0403a90e9d3ec0b8f83c2
It’s largely legislative changes that have made insurance unprofitable in those states. Florida’s bad faith law and banning of international reinsurers have both hurt the industry a lot. California has had wildfires for a long time and their frequency hasn’t increased much over time.
I left a more detailed comment elsewhere in this thread if you’re interested.
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