Southern California Fires findings raise hard questions on urban preparedness

Southern California Fires timeline report released

UL Research Institutes’ Fire Safety Research Institute (FSRI) has released the Southern California Fires Timeline Report, documenting wildfire progression and early response across Los Angeles and Ventura Counties in January 2025.

The Phase One report is the first of two studies commissioned by the Office of the Governor of California after fires between 7 and 31 January caused 32 confirmed deaths as of Monday 29 September 2025, nearly 38,000 acres burned and tens of billions of dollars in property losses.

FSRI reports that Phase One focuses on the two most destructive incidents, the Palisades Fire and the Eaton Fire, which together account for 31 of the 32 confirmed fatalities.

The report concentrates on preparedness and the first operational period of these incidents, tracing events from just before ignition of the Palisades Fire at 10:30 PST on Tuesday 7 January 2025 to the morning of Wednesday 8 January 2025.

FSRI notes that the report also summarises ten further fires across the same period that affected resources while the Palisades and Eaton Fires burned.

According to the organisation, Phase One is intended to provide a detailed factual record that will underpin a second analysis report examining wider causes and systems.

Severe drought and rare PDS warning

FSRI sets the fires against a backdrop of severe drought in Southern California during late 2024 and early January 2025, with live fuel moisture in key vegetation types falling to critically low levels.

Vegetation such as chamise, sage, ceanothus and sagebrush had dried to the point that any ignition under strong winds carried a high likelihood of rapid spread.

The National Weather Service issued escalating fire weather outlooks in the days before 7 January, culminating in a Particularly Dangerous Situation Red Flag Warning for that date.

FSRI explains that this form of alert is rare and reserved for combinations of extreme wind, heat and low humidity that can turn new ignitions into fast-moving wildfires.

The Santa Monica and San Gabriel Mountains created narrow corridors that accelerated downslope Santa Ana winds arriving during the driest part of the winter period.

Those winds grounded firefighting aircraft at times, toppled trees and pushed embers far ahead of flame fronts, according to the report.

FSRI highlights that development patterns in Pacific Palisades, Malibu, Altadena, Pasadena and Sierra Madre place dense neighbourhoods on steep slopes where homes, vehicles and exterior materials can act as fuel once fire reaches the urban edge.

The report concludes that these environmental and built-environment conditions combined to create the potential for wildfires to transition quickly into urban conflagrations.

Palisades Fire moves from hillsides to neighbourhoods

According to FSRI, the Palisades Fire began on Tuesday 7 January at 10:30 PST in vegetation north of the Pacific Palisades community, just above the urban interface.

Within minutes, strong winds carried embers downhill and across ridges, creating multiple ignitions in brush and ornamental landscaping near homes.

FSRI records that structural involvement was already apparent during the first hour, indicating a shift from a mainly wildland fire to wind-driven fire spread within the built environment.

Throughout 7 January, the fire moved through neighbourhoods including the Alphabet Streets, the Summit, Ridgeview Country Estates and communities along West Sunset Boulevard.

Steep canyons and wind channels accelerated flame spread as the fire advanced towards Malibu.

Firefighters operated in conditions of reduced visibility, falling power lines and limited water pressure where damaged pipes caused uncontrolled water loss.

Aircraft support was intermittently unavailable due to dangerous wind conditions that prevented safe flying.

FSRI states that despite extensive efforts to defend structures, the Palisades Fire destroyed homes and commercial buildings and led to large-scale evacuations.

By the evening of 7 January and into the early hours of 8 January, structure-to-structure spread dominated fire behaviour, with embers igniting rooftops, vehicles and combustible exteriors well ahead of the main front.

Residential density, fuel-rich construction and prolonged exposure to wind-driven heat intensified progression across parts of Pacific Palisades and neighbouring communities.

FSRI reports that by the morning of Wednesday 8 January, the fire’s advance within the built environment had slowed sufficiently to allow additional resources to consolidate control.

Eaton Fire spreads across foothill communities

The Eaton Fire ignited at 18:18 PST on Tuesday 7 January in steep terrain north of Altadena, within the jurisdiction of Los Angeles County Fire Department and bordering areas served by Pasadena Fire Department and the Angeles National Forest.

FSRI notes that ignition occurred under extreme winds, and embers were reported in areas south of the flame front within minutes.

The fire began spreading simultaneously downhill into residential streets and laterally along the foothills between Eaton Canyon, Kinneloa Mesa and Altadena Drive.

Erratic winds produced large ember showers that ignited structures, vehicles and landscaping at distances from the primary burn area.

According to the report, new fires were recorded in several parts of Altadena, including areas near Loma Alta Drive, Woodglen Lane, Carriage House Road and Zane Grey Terrace.

Firefighters attempted block-by-block protection in densely built streets, but rapid fire movement, blocked access routes and widespread embercast limited the scope for intervention.

Between midnight and morning on Wednesday 8 January, the fire expanded west, south and east, reaching Janes Village, La Vina and residential areas near Lake Avenue.

FSRI documents that structure fires multiplied as embers entered attics, vents and combustible exteriors, though crews contained spread in some locations through active defence.

By sunrise, fire activity persisted across multiple Altadena neighbourhoods, with additional movement towards commercial areas near Foothill Boulevard and Lincoln Avenue.

FSRI reports that by the morning of 8 January, progression had slowed enough for operations to shift from emergency structure protection towards broader containment.

Law enforcement agencies continued search and rescue work throughout the day because of the large number of affected homes and ongoing smoke conditions.

Ten further fires complicate regional response

In addition to the Palisades and Eaton Fires, FSRI records ten other fires between 7 and 22 January in Los Angeles and Ventura Counties.

These incidents are listed as the Sunset 1 and Sunset 2 fires, the Hurst Fire, the Woodley Fire, the Olivas Fire, the Lidia Fire, the Kenneth Fire, the Archer Fire, the Auto Fire and the Hughes Fire.

FSRI notes that although individually smaller and less destructive, these fires drew on the same pool of personnel and equipment already committed to the two larger events.

Fire departments across the region had to balance initial attack on new ignitions with ongoing structure defence and evacuation support for the Palisades and Eaton incidents.

The report states that this combination of simultaneous fires increased pressure on regional mutual aid and resource allocation.

Data collection methods and mapping outputs

FSRI explains that the Phase One timeline draws on site visits, interviews with residents and responders, radio communications, written data from agencies, weather records, satellite imagery and camera footage.

Information was also taken from on-the-ground damage assessments, still images, videos, dispatch records, resource requests and resource location data.

Technical discussions with individuals from involved organisations and agencies were used to clarify timelines and reconcile differing accounts.

FSRI compiled high-confidence data points into a central chronological dataset and mapping application to reconstruct the progression of the Palisades and Eaton Fires minute by minute.

The organisation has produced videos showing time-lapse maps of the fires’ presence, along with a spreadsheet of timestamped events made available for viewing.

The report acknowledges limitations due to incomplete or outstanding data requests and records that additional information will be incorporated into Phase Two when available.

FSRI confirms that Phase One does not cover recovery efforts or cause and origin investigations, which are being handled by jurisdictional fire departments with support from federal and state agencies and private contractors.

Phase Two to examine systems and recommendations

FSRI states that Phase One documents what happened during the first operational period of the January 2025 fires.

The forthcoming Southern California Fires Incident Analysis Report, described as Phase Two, will examine why events unfolded as they did.

According to FSRI, the second report will analyse pre-existing conditions in the affected areas, the influence of the built environment on fire behaviour, first responder actions and the capabilities of emergency response agencies to address urban conflagrations.

Phase Two is expected to include detailed recommendations aimed at improving emergency preparedness and response.

FSRI records that these recommendations will be available for implementation by the State of California, local officials and communities.

The organisation notes that releasing the work in two phases is intended to provide the public with information as early as possible while the longer analysis is completed.

Implications of the timeline for urban wildfire planning

The Southern California Fires Timeline Report provides emergency and disaster response managers with a structured account of how wind-driven wildfires transitioned into urban fire spread within hours.

Detailed chronologies for the Palisades and Eaton Fires can support fire and rescue chiefs and senior officers when reviewing deployment strategies for periods of simultaneous wildland and structure fires.

Government departments responsible for hazard planning gain a case study of how drought, low fuel moisture and rare Red Flag warnings aligned with topography and development patterns.

Fire engineering consultants, architects and building services engineers can draw on the report’s focus on built-environment involvement to inform design choices, materials selection and retrofits in high-risk areas.

Facility managers and risk assessors for residential and commercial properties may use the documented structure-to-structure spread, water system challenges and ember exposure patterns to refine local mitigation measures.

Training officers and instructors can adapt the minute-by-minute timelines and mapping outputs into exercises that reflect the operational pace of urban conflagrations under extreme winds.

California rule change allowed dormant power lines to remain before Eaton fire

California regulators revised safety rule after utility pressure

A proposed rule to require utilities to remove abandoned transmission lines was weakened after lobbying by electric companies, according to The LA Times.

The abandoned Mesa-Sylmar line, which Southern California Edison said last transmitted power in 1971, is suspected of causing the Eaton fire in January 2025.

The fire killed 19 people and destroyed over 9,000 structures in Altadena, California.

The original 2001 proposal from Public Utilities Commission (PUC) staff would have mandated the removal of out-of-use lines unless their future use could be proven.

By 2005, the rule was altered to allow utilities to retain dormant lines indefinitely, unless internally designated as “permanently abandoned.”

Pressure from utilities shaped the final version

Raffy Stepanian, a retired electrical engineer who helped draft the 2001 proposal, told The LA Times that the changes resulted from lobbying by utilities.

“There was a lot of pressure on us to agree with utilities on everything,” Stepanian said: “The utilities pretty much wrote those rules.”

Loretta Lynch, then PUC president, recalled: “The folks who were trying to improve safety got pulled into a back room with a bunch of industry participants and what happened was a final decision that rolled back safety regulations.”

Michael Peevey, who chaired the PUC when the rule was finalised and previously led Edison’s parent company, said: “If we knew then what we know now, perhaps we would have come to a different conclusion.”

The 2005 vote occurred after Lynch’s departure, leaving only three commissioners.

Disagreement over definition of ‘abandoned’

The definition of abandonment was central to the debate, according to commission records.

In early drafts, lines were considered abandoned if owners could not prove future use with documentation.

Edison challenged the proposal, including in a 2001 case involving a fatality in Lancaster. The commission found Edison’s claims about future use to be unsubstantiated.

In the final version, “permanently abandoned” was redefined as a determination made solely by the utility, with no documentation requirement.

Lynch said the revised rule “perverted the entire intent” of the original proposal.

Workshop process criticised for lack of independence

The PUC allowed utilities to pay $180,000 to select a facilitator for workshops on the rule.

Documents reviewed by The LA Times show utilities proposed 50 changes, many weakening safety provisions.

Lynch said the process was “the worst way to go about fact-finding on what is needed to ensure safety.”

She criticised the facilitator’s influence on workshop notes, which informed the final decision.

Connor Flanigan, Edison’s managing director of state regulatory operations, said the process was transparent and that staff could block proposals.

The final decision document includes statements from Edison executives supporting the outcome.

Ongoing safety concerns over idle lines

Following the Eaton fire, the PUC’s executive director, Rachel Peterson, told the Assembly Utilities and Energy Committee that there is no public record of where dormant lines are located.

“There’s no timeline,” she added, when asked if utilities must remove inactive lines.

Commission spokesperson Terrie Prosper wrote that removing lines prematurely could raise customer bills and declined interview requests.

Edison said the Mesa-Sylmar line may have re-energised through induction. Videos captured the fire igniting beneath a tower supporting the dormant line.

The company said it maintains 465 miles of idle lines but will not disclose locations, citing confidentiality.

PG&E, which faced scrutiny after the 2019 Kincade fire, agreed to remove 262 miles of unused lines and prioritise high-risk areas.

California rule change allowed dormant power lines to remain before Eaton fire: Summary

Southern California Edison said the Mesa-Sylmar transmission line last carried electricity in 1971.

The line is suspected of igniting the Eaton fire on 7 January 2025.

The Public Utilities Commission originally proposed a rule in 2001 requiring removal of such lines.

In 2005, that proposal was weakened following lobbying from utilities.

The revised rule allowed companies to keep lines unless they deemed them permanently abandoned.

Former PUC president Loretta Lynch said the revision reduced safety standards.

The PUC allowed 50 days of workshops led by a facilitator paid by utilities.

Utilities proposed 50 rule changes during this process, many reducing oversight.

Edison has 465 miles of dormant lines but will not disclose locations.

PUC’s executive director confirmed there is no central registry for idle lines.

There is no timeline for their removal.

PG&E agreed to remove 262 miles of dormant lines after a 2019 fire.

Fire truck data raises questions over Eaton fire response in Altadena

Fire truck data shows delayed response in west Altadena

Data obtained by The Times has revealed that only one Los Angeles County fire truck was present in west Altadena when the Eaton fire reached the area, where 18 of the 19 fatalities occurred.

According to The Times, 40 county fire trucks were instead concentrated around the Palisades fire, while 64 were deployed to the east side of Altadena and nearby areas.

L.A. County Fire Chief Anthony Marrone told The Times the lack of trucks in west Altadena was likely due to “human error” by decision-makers in the incident command.

Marrone said the command team, based at the Rose Bowl, failed to divide resources evenly between east and west Altadena as the fire developed.

The county has not conducted its own analysis of fire truck locations. Marrone said this work has been assigned to an external organisation.

Residents left without help as fire spread

Residents interviewed by The Times described a night of fighting flames alone while waiting for firefighters who never arrived.

Sofia Vidal, who lost her pet tortoise and her home, told The Times: “We were abandoned. I never heard a siren.”

Vidal added: “Am I grateful for firemen? Not at all. Did they fail me miserably? Absolutely.”

An Altadena-based public interest research firm interviewed over 1,200 residents and found that nearly one in five believed the fire department let the area burn on purpose.

The neighbourhood is a racially diverse part of unincorporated Los Angeles County, historically home to many Black families.

According to The Times, many residents believe their area received less fire protection than whiter, wealthier neighbourhoods near the Palisades.

Incident commanders focused on areas already burning

The Times analysis showed that most county fire trucks remained east of Lake Avenue, which divided east and west Altadena, even as 911 calls from west Altadena increased.

Former fire officials told The Times the unified incident command did not effectively track where the fire was spreading or reposition fire resources based on forecasted spread and 911 data.

One former incident commander said too many trucks were directed toward visible flames rather than areas at risk.

The official told The Times: “It takes leadership and situational awareness to direct that as an incident commander and say, ‘Hey guys, I don’t need you there. I need you to defend homes and evacuation in this other community.’”

County data showed only one patrol vehicle crossed into west Altadena in the first 12 hours of the fire.

Late evacuation orders and delayed fire truck movement

Evacuation orders were not issued for west Altadena until 3:25 a.m. on 8 January, according to The Times, over four hours after flames were reported in the area.

East Altadena received its first evacuation order the evening before, at 6:40 p.m.

Despite multiple 911 calls reporting fire in west Altadena, vehicle locator data showed no county fire trucks responded to the area until several hours later.

By the time evacuation was ordered, The Times reported 17 calls had come from homes west of Lake Avenue.

In many cases, no aid ever arrived. The Times identified multiple victims who died after calling 911, including Anthony Mitchell Sr., a disabled man, and his son.

Multiple blazes strained county resources

The Times reported that county fire crews were already deployed to assist the Los Angeles Fire Department with a blaze in Pacific Palisades earlier in the day.

By evening, over one-third of the county’s fire vehicles were in that area, 40 miles from the later Eaton fire in Altadena.

Chief Marrone told The Times he had 1,800 firefighters available and ordered 50 strike teams that evening, adding about 250 more vehicles.

The fire in Eaton Canyon began at 6:18 p.m., quickly spreading due to hurricane-force winds.

As the fire grew, county resources concentrated in east Altadena, with few vehicles diverted west.

Union head Dave Gillotte told The Times: “We did not have enough people to shift in masses from one area of Altadena to another.”

Questions over incident command responsibility

The unified command included the L.A. County Fire Department, U.S. Forest Service, Sheriff’s Department and other agencies.

Marrone told The Times he believed responsibility for west Altadena was shared and said: “I’m not going to allow L.A. County Fire or the men and women of my department to take this on the chin.”

Marrone added that the department did not track trucks from other agencies and that GPS data provided only a partial picture of the response.

The Times noted that many vehicles from outside agencies were not included in the data set.

Some residents, however, said they did not see fire trucks in their neighbourhoods until long after the damage was done.

Sylvie Andrews, who returned home at 11 a.m. on 8 January, told The Times: “It was fightable, and they were not fighting at all.”

Fire truck data raises questions over Eaton fire response in Altadena: Summary

Only one county fire truck was in west Altadena during the peak of the Eaton fire.

Vehicle locator data were obtained by The Times via a public records request.

The data show most trucks remained in east Altadena or at the Palisades fire.

Eighteen of the 19 fatalities occurred in west Altadena.

Residents reported no firefighter presence and delayed evacuation orders.

Chief Anthony Marrone cited “human error” in resource allocation.

Unified command was based at the Rose Bowl and included multiple agencies.

The county has hired McChrystal Group to review evacuation decisions.

The Fire Safety Research Institute will conduct an independent response review.

Some fire leaders defended the focus on areas with trapped residents.

Other officials questioned why resources weren’t redeployed to growing fires.

Many 911 calls from west Altadena were not answered by county trucks.

Residents are questioning whether their area received adequate protection.

The Times analysis does not include vehicles from all responding agencies.

California utility customers may pay more over Eaton fire costs

State may extend surcharge to replenish wildfire fund

More than 30 million California electricity customers may face higher bills due to damage claims linked to the Eaton fire.

As reported by the LA Times, if Southern California Edison is found liable for the January blaze, the $21 billion state wildfire fund may be exhausted, prompting calls to extend a customer surcharge beyond its 2035 expiry date.

Initial estimates place total damages from the fire at $24 billion to $45 billion.

Michael Wara, Director of Stanford’s Climate and Energy Policy Program, said: “Everyone is concerned about this. If we need to put more money into the fund, where will it come from?”

Paul Rosenstiel, a member of the Catastrophe Response Council, said during a May meeting that officials were considering asking the public to continue paying the non-bypassable charge, a fee of about $3 per month.

According to records from the California Public Utility Commission, the fee will raise $923 million in 2025. Extending it by a decade could add $9 billion to the wildfire fund.

Edison equipment suspected as fire cause

The Eaton fire began on 7 January and caused the deaths of 18 people. It also destroyed more than 9,000 homes and other structures in Altadena.

Southern California Edison’s transmission equipment is suspected to have ignited the blaze. A decommissioned tower in Eaton Canyon was later removed and is undergoing analysis.

Edison International CEO Pedro Pizarro said during a recent call with analysts that the company is cooperating fully: “Our hearts go out to everyone who has suffered losses.”

He also noted that state officials are “very encouraged by the level of diligence and engagement” around a legislative response to the fund’s depletion risk.

Kathleen Dunleavy, spokesperson for Southern California Edison, said the utility was not proposing a specific solution, but emphasised: “Our focus is to convey the importance of a strong wildfire fund.”

Pizarro previously suggested the fire could have started after an unused line was re-energised.

Lawsuits and financial implications for utility firms

The LA Times said that Edison is facing dozens of lawsuits from individuals, local governments and organisations.

These include wrongful-death claims, infrastructure damage, and health impacts from smoke exposure.

A study by UCLA economists Zhiyun Li and William Yu estimated the fire caused $24 billion to $45 billion in losses.

Stanford’s Michael Wara explained that if Edison is found responsible, the fund would pay for uninsured losses and shortfalls in insurance payouts.

“Then the wildfire fund is out of money,” he said.

Under the 2019 law that created the fund, Edison’s maximum liability is capped at $3.9 billion. The remainder would fall to the wildfire fund, which is jointly financed by utility shareholders and customers.

PG&E and Sempra, the parent firm of San Diego Gas & Electric, have told investors they support preserving customer contributions over shareholder ones.

Political lobbying and consumer opposition

According to the LA Times, utility companies have increased lobbying efforts in Sacramento since the fires.

PG&E lobbyists held meetings and dinners with state legislators and members of Governor Gavin Newsom’s staff. A spokesperson for PG&E stated that lobbying costs were paid by shareholders.

A spokesman for Newsom’s business office said the wildfire fund was not discussed during these meetings.

Rosenstiel told the Catastrophe Response Council that some officials have suggested using the state’s general fund, which pays for services like education and healthcare, to support the wildfire fund.

Consumer advocates have opposed additional surcharges.

Mark Toney, Executive Director of The Utility Reform Network (TURN), said: “We think ratepayers have more than done enough. My position is that ratepayers should not pay another penny.”

Wildfire fund resilience under review

The California Earthquake Authority, which manages the wildfire fund, is reviewing ways to improve its long-term stability.

Officials confirmed in a May memorandum that consultants have been rehired to advise on fund durability.

These consultants include Guggenheim Securities, which also has financial ties to the state’s major utilities.

Guggenheim Securities stated it maintains strict internal barriers to avoid conflicts of interest.

The review comes as insurance claims from the Eaton fire have already reached $15 billion.

Wara said Edison would seek reimbursement from the fund for claims paid to affected residents.

Meanwhile, the nearby Palisades fire, which also ignited on 7 January but involved municipal equipment, is not eligible for support from the state wildfire fund.

California utility customers may pay more over Eaton fire costs: Summary

More than 30 million California residents may face higher electricity bills.

This follows the Eaton fire, which killed 18 people and caused $24 billion to $45 billion in damage.

Southern California Edison equipment is suspected to have sparked the blaze.

If Edison is found liable, California’s $21 billion wildfire fund could be depleted.

The non-bypassable charge on utility bills may be extended beyond its 2035 end date.

Consumer groups oppose the extension and argue customers have paid enough.

The state’s Catastrophe Response Council is considering other funding sources, including the general fund.

PG&E and other utilities have asked lawmakers not to require investor contributions.

The California Earthquake Authority has rehired consultants to explore solutions.

Insurance claims related to the Eaton fire already total around $15 billion.

Dozens of lawsuits against Edison are underway, including wrongful death and environmental harm.

The Palisades fire is not covered by the wildfire fund as it involves municipal equipment.

A 2019 law caps Edison’s liability at $3.9 billion.

The remaining damages would be paid by the wildfire fund.

Critics argue the funding structure unfairly burdens consumers.

Eaton Fire lawsuit targets Southern California Edison over wildfire damage

Legal action taken over Eaton Fire destruction

KJT Law Group, in partnership with former Los Angeles District Attorney Steve Cooley and Parris Law Firm, has filed a mass tort lawsuit against Southern California Edison (SCE), alleging responsibility for the Eaton Fire.

The fire has destroyed over 7,000 structures and displaced thousands since it began on 7 January 2025. It has burned more than 14,000 acres and caused the deaths of 16 people.

According to KJT Law Group, eyewitnesses reported that the fire started near a power structure in Altadena. The firm alleges that SCE failed to take appropriate preventive measures despite forecasts of strong winds in the region.

Community impact and response

Residents in Altadena and Pasadena have faced widespread destruction and emergency evacuations.

An unnamed Altadena resident described the fire’s rapid spread: “The fire started towards the top of the mountain and rushed down so fast we didn’t have any time to think or pack anything. The majority of our street is burned to the ground and the street behind me has only two homes left. It’s heartbreaking.”

Thousands of individuals have been left without homes, with long-term recovery expected to take months or years.

Legal perspective on the claims

Caspar Jivalagian, a founding partner of KJT Law Group, commented on the firm’s motivation behind the lawsuit: “This is about accountability. We will not sit by without demanding answers on how this happened and why it wasn’t prevented – no matter who we are up against.”

Jivalagian also noted that the firm aims to support those affected: “We want everyone in Pasadena and Altadena to know that they are not alone. This is personal for us. We are going to do everything in our power to help those impacted – irrespective of their homeowner’s insurance.”

Wider concerns over California wildfires and insurance

The Eaton Fire is one of four major wildfires that have affected the Greater Los Angeles area in 2025, fuelled by strong Santa Ana winds.

The legal action comes amid growing concerns about fire insurance in California. Many residents lost coverage when insurers withdrew from the market, with some policies expiring at the end of 2024 without renewal options.

Eaton Fire lawsuit targets Southern California Edison over wildfire damage: Summary

KJT Law Group, in collaboration with former Los Angeles District Attorney Steve Cooley and Parris Law Firm, has filed a mass tort lawsuit against Southern California Edison. The lawsuit alleges that SCE is responsible for the Eaton Fire, which has destroyed over 7,000 structures, displaced thousands, and caused 16 deaths since it began on 7 January 2025.

Eyewitness reports suggest the fire originated near a power structure in Altadena. The lawsuit claims SCE did not take sufficient preventive measures despite forecasts of strong winds. Residents in Altadena and Pasadena have experienced widespread destruction and prolonged displacement.

The lawsuit is one of several legal challenges arising from wildfires in California. The Eaton Fire is among four major fires that have impacted the Greater Los Angeles area in 2025. Fire insurance coverage has also become a pressing issue, with many policies expiring at the end of 2024 without renewal options.