No stranger to natural disasters, Pasadena resident Pedro Rojas keeps a safety bag in his car with essentials like a jacket, gloves and running shoes in case he needs to flee at a moment’s notice.

The wildfires that destroyed homes in multiple sections of the Los Angeles area will test California’s efforts to stabilize the state’s insurance marketplace after many insurers stopped issuing residential policies due to the high fire risk.

Two wildfires still burning in Los Angeles have torched more urban area than any other fire in the state since at least the mid-1980s