Insurance premiums are different for different people and are decided by underwriters based on expected risk. What subsidy are they receiving on those premiums? They were previously paying a special property tax to cover the additional fire services required for the area. This is not a particularly high income area.

Meanwhile everyone in Sacramento can buy federally subsidized flood insurance. The federal government also built the levees surrounding the county. The entire downtown core had to be jacked up several feet due to persistent flooding. Should everyone in Sacramento move too? Should we end the insurance subsidy?