An aircraft drops fire retardant over a brush fire in the Angeles National Forest near Mt. Wilson Observatory, northeast of Los Angeles, California, on October 17th, 2017.
(Photo: Frederic J. Brown/AFP/Getty Images)
A woman looks at the wreckage of her burned home in Santa Rosa, California, on October 10th, 2017.
Firefighters use a hose to spray water as they fight against a fire in Castagniers, France, on July 17th, 2017.
A plume of smoke is seen from Ojai, California, as the Thomas Fire grows and advances toward seaside communities on December 10th, 2017, near Carpinteria, California.
A firefighter cuts brush at the Thomas Fire on December 7th, 2017, near Fillmore, California.
As of Monday afternoon, the fire had swelled to 270,000 acres.
A changing climate, increasingly destructive fires, and disappearing insurance policies have left homeowners wondering how much risk is too much.
