Note that this is sometimes the result of those in high risk situations managing to get the legislature to require the risk to be spread to others to keep their rates from being insane. (Florida is a prime example--they're spreading the cost from property on the front line for hurricane damage across wider areas, so now everybody's insurance is high rather than some being completely uninsurable.)

While I have not kept up with the California situation I suspect something of the sort is going on, they aren't being allowed to look at local wildfire risk in setting premiums.