If you’re a homeowner in California, you might be affected by the recent fires, even if your home wasn’t damaged.

That’s because the rise in wildfires might make it more difficult for California homeowners to find and keep insurance — companies might decide not to renew policies in areas where there’s greater risk. According to California Insurance Commissioner David Jones, rates might increase as well, and more part of the state might be redefined as “high-risk.”

How and why might the wildfires affect homeowners insurance?

Guests:

Sharon McNary, KPCC’s infrastructure correspondent; she tweets @KPCCsharon

David Jones, California Insurance Commissioner