In Pacific Palisades alone, the FAIR plan insures nearly $6 billion worth of property, according to September figures — more than all but four communities in California. Across the state, the total value of FAIR-insured properties was $458 billion, triple the total insured value in 2020, according to FAIR Plan data.

If your home or business was damaged or destroyed in a wildfire, California Insurance Commissioner Richard Lara says don't sign anything right away. Here's what you need to know.

Hundreds of thousands are without power in California as the powerful Santa Ana winds continue to cause the spread of multiple wildfires. There are over 249,159 people without power in California, according to the USA TODAY power outage tracker.

The fires in Southern California are expected to cause devastating losses to residents—many of whom have had their insurance policies canceled last year.

Before and after photos of the deadly wildfires in the Los Angeles area have sent tens of thousands scrambling for safety and decimated neighborhoods.

Some insurers have scaled back their coverage in California due to wildfires over the last few years, creating a challenge for rebuilding.

"Wildlife is incredibly resilient," a biologist for the U.S. Fish and Wildlife Service said, noting that "many species adapted to endure it."