Having #HomeInsurance may not be enough:
"The Washington Post used the 2020 CZU Lightning Complex fires and the 2021 Colorado Marshall Fire as examples of insurance companies failing to help most people rebuild.
In the former instance, less than a third of the homes lost in the fires were rebuilt. The Marshall Fire had a similarly devastating result. Around 80% of homeowners had insurance policies that wouldn't cover the cost of rebuilding."
https://www.thecooldown.com/green-business/homeowners-insurance-policies-covering-climate-change/