Wildfires have become an unfortunate reality for many Californians, with the latest blazes in Los Angeles leaving behind destruction, loss, and uncertainty. For those who have lived through these disasters, the emotional and financial toll can be overwhelming. In this deep dive, two former California residents—one a former fire captain and the other a wildfire survivor—share their firsthand experiences, discuss the science of wildfires, and explore why so many are choosing to relocate to North Idaho for a fresh start.

Living Through a Wildfire: Hard Lessons & Harsh Realities

Wildfires don’t just destroy homes—they upend lives. Losing everything in a matter of hours, navigating the frustrating process of insurance claims, and trying to rebuild in an area where homes may never be replaced is a reality for thousands of Californians.

One of our speakers, a former fire captain from San Bernardino County, has fought countless fires on the front lines and understands firsthand how uncontrollable wind-driven wildfires can be. The other, a former California Highway Patrol officer, lost his home in the 2018 Camp Fire in Paradise, CA—one of the deadliest and most destructive wildfires in U.S. history. Their insights into fire science, evacuation strategies, and the emotional toll of starting over provide invaluable guidance for those facing similar challenges.

The Financial Fallout: When Insurance Fails You

One of the most devastating aspects of recovering from a wildfire is dealing with insurance—or the lack of it. As wildfires become more frequent, insurance companies in California are dropping policies, declaring bankruptcy, or dramatically increasing premiums.

For example, after the Camp Fire, one speaker’s insurance company went bankrupt, leaving homeowners scrambling for state assistance. Others are being forced onto the “Fair Plan,” a last-resort insurance option that can cost over $100,000 per year—an unsustainable amount for most homeowners. The financial burden is causing many to reconsider their long-term future in California, leading them to explore safer, more affordable alternatives like North Idaho.

Why Wildfires in California Are So Hard to Stop

The science of wildfires is simple: wind, fuel, and topography dictate how a fire spreads. While controlled burns and better forestry management can help reduce risk, once high winds enter the equation, the fire becomes nearly unstoppable.

In cases like the Los Angeles wildfires, wind gusts between 70-100 mph turned a bad situation into a disaster. Embers traveled over a mile ahead of the fire, igniting new blazes and making it impossible to contain. Firefighters did everything they could, but in these conditions, stopping the flames is nearly impossible.

Rebuilding or Relocating: Is It Time to Move?

For many, the biggest question after a wildfire is: Do I rebuild or start fresh somewhere else? After experiencing total loss, rebuilding in the same location can be emotionally and financially draining. Many former wildfire survivors have found that relocating to a safer area allows them to move forward without the daily reminders of trauma.

North Idaho has become a top destination for those seeking a better quality of life, with:

• Low wildfire risk – Unlike California, Idaho’s fires are primarily in remote mountain areas and are less likely to threaten entire communities.
• Lower cost of living – The median home price in many areas of North Idaho is significantly lower than in California.
• Better insurance rates – Home insurance remains affordable and accessible, even in more rural areas.
• A strong sense of community – Many newcomers to Idaho have been through similar experiences, creating a supportive and welcoming environment.
• Political and personal freedoms – For those looking for a place that values individual rights, North Idaho is an attractive choice.

Is North Idaho Right for You?

If you’ve been affected by a wildfire and are considering a move, North Idaho might be the fresh start you’re looking for. With a lower population density, stunning outdoor scenery, and a resilient, tight-knit community, it’s no surprise that so many former Californians are making the move.

Whether you’re looking to relocate now or just exploring your options, our team is here to help. Schedule a free consultation and let’s discuss how to make your transition smooth and stress-free.