Subsidized, but not fully sponsored. I live about a mile outside the edge of the 2021 CZU fire, and our insurance costs about tripled, even with the CA FAIR plan. We’ve followed the CalFire “defensible space” guidelines and covered vents with fine screen, but improving survivability for that existing house from there would mean reroofing with metal or tile, removing or replacing all wooden decking, and covering T-111 siding with stucco or stone. Not cheap. Also effectively a different house. Multiplied by all the homes in woodlands, still not cheap. For anyone who has always wanted to live in the woods, consider living near the woods instead.