BOISE FOOTHILLS, Idaho — It’s a story playing out more often across Idaho — homeowners in places like the Boise Foothills are watching insurance rates skyrocket, with some policies being canceled altogether all because of wildfire risks.

“I mean, I understand the risk, the risk is real,” said Scott Montgomery, who lives in the Warm Springs Mesa.

Montgomery and his neighbors are no strangers to fire danger. He points to the Valley Fire last year and the Table Rock Fire a few years earlier, both of which burned dangerously close to home.

WATCH: Montgomery explains how his insurance has been canceled due to wildfire risks Idaho homeowners face insurance cancellations and rate hikes over wildfire risk

That risk, he says, has been reflected in his premiums.

“The last four years it’s actu

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