holter believes she likely won't qualify.nt that the insurance companies make that as beautiful as this is, it is just too dangerous to have people living in what could be, and turned out to be, a tinder box and that they can't take that risk? >> when this was built, it had everybody's approval. they it -- insured it for 47 years. i mean, what's good? they made money off people for 47 years. that is the point of insurance, isn't it? that you you know, you chip in and when somebody else needs that, they get it. and when you need it, you get it. but in this case, they're saying, we're sorry, too bad. william: these wildfires could turn out to be the costliest in american history. for this region to rebound, the state, and its insurers will have to find a way to manage the growing risks of living in a warming world. for the pbs news hour, i am william brangham in los angeles. amna: and that is the news hour for tonight. i am amna nawaz. geoff: i'm geoff bennett. for all of us here, thanks for spending part of your evening with u