Insurance Panel: Beyond the current insurance model

Exploring community-based solutions to California's insurance crisis California's property insurance landscape is at a turning point. As premiums soar, coverage becomes increasingly difficult to secure, and wildfire risks intensify, homeowners and communities face an urgent question: Where do we go from here? The Ojai Valley Fire Safe Council invites you to the third installment of our property insurance panel series, exploring innovative solutions to California's growing insurance crisis and what communities can do to help shape a more resilient future. As the limitations of the traditional private, for-profit insurance model become increasingly apparent, it's time to explore new possibilities. Could community-based insurance alternatives, public-private partnerships, and innovative financing models offer a more sustainable path forward? This panel will examine how communities can take a proactive role in addressing the insurance crisis, from exploring alternative approaches to catastrophe insurance to financing large-scale, watershed-wide wildfire resilience projects that reduce risk across entire communities. Join our distinguished panelists for a thought-provoking discussion about reimagining insurance, investing in resilience, and developing community-driven solutions to the challenges ahead. Featured Panelists: • Amy Bach — Executive Director, United Policyholders • Josh Harrison — Director, Center for the Study of Force Majeure, UC Santa Cruz • Christopher Danch — Executive Director, Ojai Valley Fire Safe Council Event Details: Wednesday, October 28, 2026 4:00–6:00 PM St. Thomas Aquinas Church, Ojai Free and open to the public. Join us in person or RSVP to receive a link to participate remotely. The future of insurance and wildfire resilience will require new thinking, collaboration, and community leadership. We invite you to be part of the conversation.