The devastating wildfires in California that did so much damage in the past few years are now impacting pricing and availability of homeowners insurance coverage in the state, affecting everything from primary residences in many suburban locations to popular vacation home spots like Napa Valley, Sonoma, Lake Tahoe and elsewhere. This comes on top of a decades-long increase in the overall national cost of all homeowners claims—including other types of severe natural disasters like extreme hurricanes and tornadoes.