Another occurrence that impacts home insurance rates are the increased population relocating into a zone/zip code in relation to the number of full time firehouse staff, firetrucks to service the area and even the amount of water those firetrucks can hold allocated to the zone/area. Recently, a small nearby town grew by upwards of30-40% over a 12mos period but the number of firehouses to service the area remained the same. Homeowners who have lived there for decades saw a nearly 200% jump in their HI premiums and were told the limited number of responders, number of trucks needed to support the same area and number of firehouses to service the area was now inadequate. It would seem that with the migration of the CA residents away from these high risk areas that insurance companies now have more local resources to serve the same areas (if that indeed remained a constant). Something to consider among insurance algorithms anyway.