That is a point everybody needs to remember, fires then mudslides are annual seasonal events in SoCal.
They were always there but the people affected have moved in making themselves vulnerable to the annual natural cycles. Then they complain when the cameras are turned on that government didn't do enough.
We lost our property in the Cedar Fire (El Cajon - Harbison Canyon) along with others. It was stunning how many people didn't have insurance then bitched and complained, even sued to get other people's money to rebuild.
BTW, USAA took very good care of us during that time.
USAA is a great insurance company.