For instance, the state’s second-largest insurer by market share, Farmers Insurance Group, has asked for a nearly 7% rate hike. To secure that increase, it has pledged to market to 300,000 consumers living in high-risk wildfire zones beginning in 2026 and to add about 5,600 policies in those areas over two years, according to an insurance filing. The fifth-largest insurer, CSAA Insurance Group, noted in its 2025 rate request that it has issued 18,300 more policies in high-fire-hazard areas than the state requires.