Comment by LorenPechtel

It's discrimination when it's based on uncontrollable situations. It is not discrimination when it's based on factors one can control. And an indefensible structure in a fire zone is most certainly something you can control. Pricing it appropriately would keep builders from building them in the first place and it would get the people that have them to do what they can to make it more defensible.

The problem is people come to the legislature screaming about being charged a rate that actually reflects the risk. The legislature eventually responds by making insurance spread the costs over it's policy base. This results in people to screaming to the legislature because their rates are skyrocketing to pay for the idiots in the danger zone. The legislature eventually responds by not allowing insurance companies to charge enough--and they walk.

By the time you reach the point of the insurance companies walking you've already had many chances to fix the problem. But we never learn, people are determined to have their cake and eat it also.