Very fair and detailed analysis of the policy situation, though primarily focused on insurance.
One tidbit I gleaned was that the area that burned isn't typically a place that would have done controlled burns anyway, so the narrative that better forest management could have mitigated damage may not be accurate.
Still, I stand by my opinion that more could have been done to mitigate risk. When insurance companies are leaving, that's a huge red flag and it's your responsibility to figure out why and what can be done. Not doing anything is like the dog meme in a burning house saying, "This is fine."