. >> reporter: as head of the local fire state council, gail has long advocated for safety programs like the tree removal underway here, but she says a new concern for just about everyone in the community is the financial risk in a troubled insurance market. >> you know, these people are up here because they are not really wealthy, this is a retirement blue-collar neighborhood. >> i'm on a fixed income, i'm on social security, i am retired. >> reporter: this is one example of a story playing out across california , entire communities at risk of becoming uninsured, an unsustainable situation that the state and coverage providers are now fighting over in sacramento. >> really, i think what people need to know is we are in a political showdown with the insurance industry. >> reporter: a consumer watchdog founder, harvey rosenfield is talking about the debate over how insurance markets should operate as a changing climate causes risks and soaring costs. >> right now they have a fair plan, it is a last resort. >> so we have california fair housing which doesn't cover much but it does cover fi

. >> reporter: as head of the fire counsel, gail has long advocated for safety programs like the tree removal. >> i am on a fixed income. i am retired. >> reporter: this is one example of a story playing out across california with entire communities at risk of becoming uninsured and an unsustainable situation that the state and coverage providers are now fighting over in sacramento. >> i think what people need to know is that we are in a showdown with the insurance industry. >> reporter: the insurance company is driving increased risk and soaring costs. >> we got california fair housing, which does not cover as much, but it does cover fire. >> i have been shopping around, but the problem is that it skyrockets. >> reporter: as for amador, he got another letter from his insurance provider. >> i'm sure they will cancel me. i am afraid. >> reporter: there are over 100 homes and every one of them is considered at severe risk of fire, driving up the cost of living in this quiet corner of napa coty. >> it is beautiful and peaceful, but we live in a high fire zone. >>> tomorrow week take a cl

. >> reporter: gail pickett has long advocated for safety programs like the tree removal program. she says a new concern for just about everyone in the community is the financial risk of a troubled insurance market. >> these people are up here because they are not wealthy. this is a retirement and blue-collar neighborhood. >> i am retired. >> reporter: this is one exampl of a story playing out across california with communities at risk of becoming uninsured. a unsustainable situation that th state and coverage providers ar now fighting over in sacramento >> i think most of what people need to know is that we are in political showdown with the insurance industry. >> reporter: harvey rosenfield is talking about the debate ove how insurance markets should operate as a changing climate drives increasing risk and soaring costs. >> for people right now who are searching for an insurance company, there is something called the fair plan. >> we got california fair housing, which does not cover a much, but it does cover fire. >> i have been shopping around, but the problem is it is skyrocke

. >> reporter: as head of the local fire council, gail bickett has long advocated for safety programsike the tree removal now under way here, but she says a new concern for just about everyone in the community is the financial risk in a troubled insurance market. >> and it's you know, these people are up here because they're -- you know, not real wealthy. this is a retirement, blue collar neighborhood. >> i'm on a fixed income. i'm on social security. i'm retired. >> reporter: the berryessa highlands here, just one example of a story playing out across california. entire communities at risk of becoming uninsured. an unsustainable situation that the state and coverage providers are now fighting over in sacramento. >> really what we're -- i think also what people need to know is we're in a political showdown with the insurance industry. >> reporter: consumer watchdog founder harvey rosenfield is talking about the debate over how insurance markets should operate as a changing climate drives increasing risk and soaring costs. >> for people right now who are searching for insurance company