洛杉矶山火之-对风险缓解、赔偿及保险市场的影响（英）

LLOYD DIXON, JAMES M. ANDERSON, JAMIE MORIKAWAAfter the Los Angeles WildfiresImplications for Risk Mitigation, Compensation, and the Insurance MarketDiscussion SummaryThis publication has completed RAND’s research quality-assurance process but was not professionally copyedited.For more information on this publication, visit www.rand.org/t/CFA3937-1.About RANDRAND is a research organization that develops solutions to public policy challenges to help make communities throughout the world safer and more secure, healthier and more prosperous. RAND is nonprofit, nonpartisan, and committed to the public interest. To learn more about RAND, visit www.rand.org.Research IntegrityOur mission to help improve policy and decisionmaking through research and analysis is enabled through our core values of quality and objectivity and our unwavering commitment to the highest level of integrity and ethical behavior. To help ensure our research and analysis are rigorous, objective, and nonpartisan, we subject our research publications to a robust and exacting quality-assurance process; avoid both the appearance and reality of financial and other conflicts of interest through staff training, project screening, and a policy of mandatory disclosure; and pursue transparency in our research engagements through our commitment to the open publication of our research findings and recommendations, disclosure of the source of funding of published research, and policies to ensure intellectual independence. For more information, visit www.rand.org/about/research-integrity.RAND’s publications do not necessarily reflect the opinions of its research clients and sponsors.Published by the RAND Corporation, Santa Monica, Calif.© 2025 RAND Corporation is a registered trademark.Limited Print and Electronic Distribution RightsThis publication and trademark(s) contained herein are protected by law. This representation of RAND intellectual property is provided for noncommercial use only. Unauthorized posting of this publication online is prohibited; linking directly to its webpage on rand.org is encouraged. Permission is required from RAND to reproduce, or reuse in another form, any of its research products for commercial purposes. For information on reprint and reuse permissions, visit www.rand.org/about/publishing/permissions.CF-A3937-1 iii About This Discussion Summary On January 7, 2025, the Palisades Fire ignited in the Santa Monica mountains, driven by hurricane-force Santa Ana winds. Just hours later, the Eaton Fire ignited in Altadena. In total, both fires burned over 37,000 acres and destroyed over 16,000 structures. Combined, the fires were the second-deadliest and second-most destructive fire in California, superseded only by the 2018 Camp Fire.1 The fires hit an already fragile residential insurance market in the State and raised concerns about the implications of increasing wildfire risk on insurance markets and the role that insurance can play in mitigation and resilience. T