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Santa Cruz Mountains communities brace for turmoil as home insurers leave California over wildfire risk

As insurance companies like State Farm pull out of writing new policies in California over concerns about the cost of wildfires, homeowners in high fire-risk areas, such as the San Lorenzo Valley, can expect to pay higher premiums as they pick from a much smaller pool of property insurers. An insurance program that offers limited fire insurance may become the only option for many in the Santa Cruz Mountains — one that experts warn could be far too expensive for some low-income families.

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