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Thousands of homes burned to the ground in the recent wildfires in Los Angeles which will likely become the most expensive natural disaster in US history.

Many victims did not have insurance, because they couldn鈥檛 afford California鈥檚 increasingly expensive policies or because they were dropped by their insurer.

Lexy O鈥機onnor meets some of those affected and finds out what鈥檚 fuelling California鈥檚 insurance crisis.

Presented and produced by Lexy O'Connor

(Image: Two people survey the damage during the Eaton Fire in Altadena, California on 8 January 2025. Credit: Getty Images)