Residents’ Insurance Options Shrink

A shrinking California insurance market will leave Los Angeles-area residents more dependent on a patchwork of federal programs, charitable aid, and savings to rebuild lives devastated by the most expensive fire in U.S. history.

- HEATHER GILLERS

The blaze that has swept through one of America's wealthiest shorelines racked up more than $50 billion in losses. The recovery will take years, and some residents might simply sell