Key Takeaways A recent moratorium now protects California policyholders from losing home insurance coverage for at least one year if their home is near a site affected by wildfires.The California Department of Insurance has incentivized insurers to continue covering homeowners who’ve had their policies canceled.

But biologists worry that the growing severity and frequency of fires is outpacing wildlife’s ability to adapt. State wildlife officials don’t want people to provide food or water for wild animals, because it can alter their behavior,