The recent rains may have lowered the threat of wildfire in the area, but the problem of maintaining fire insurance is a year-round problem for many in California. As a result, a number of new laws have just been adopted that aim to stabilize the home insurance market before and after a major catastrophe.

Central Marin Fire Battalion Chief Todd Lando said many homeowners are doing what they can to remove fuels around their homes. But that doesn't always come cheap.

"It's taken years of education and efforts to get outreach into the communities to help people understand what their real vulnerabilities are," said Lando. "Especially in 'Zone Zero.' The first five feet around the house plays a big role, and sometimes, depending on what your property looks like, it could be a big expense. You

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