Palisades and Eaton fires (January 2025)
Wind-driven fires tore through Pacific Palisades and Altadena, killing at least 29 people and destroying more than 16,000 structures. The fires hit during a Santa Ana event after eight months of near-zero rainfall in Los Angeles.
Insured losses ran into the tens of billions, and the state expanded the FAIR Plan to keep coverage available in high-risk zones.
Sacramento tightened defensible-space rules and accelerated utility grid-hardening mandates. Several insurers paused new policies in fire-exposed counties.
The 2025 LA fires reset the baseline for what a single event can cost California. The Sandy Fire's footprint sits inside the same wildland-urban interface that produced those losses.
