Originally Posted by LeonW
I was surprised by your comment that most of the homes would not have insurance. Why is that?
Coverage is certainly available, unlike for flooding from overflowing rivers:
Forest-fire season: Insurance Bureau of Canada advises B.C. homeowners to check insurance coverage now"
Insurance Q & As: Natural Disasters - Canadian-Lawyers.ca
Originally Posted by gbaglo
Just a guess. Incomes are low and when they are, insurance is usually first to go.
I don't know what the income level is in the areas affected by recent fires, but for urban people I'll note that home insurance in a rural area can be much higher than in an urban area, entirely due to the risk of loss to fire. If you are several kilometres from the nearest fire station, and there are no hydrants in the area (and there won't be hydrants in a rural area), the insurance companies have to assume that any fire will result in the total loss of the building and contents, because the fire department won't be able to get there in time, or have enough water to effectively fight the fire. Rural coverage can cost several times as much as urban coverage for the same size of house and value of property.