SACRAMENTO, Calif. (AP) — California’s plan that provides insurance to homeowners who can’t get private coverage needs $1 billion more to pay out claims related to the Los Angeles wildfires, the state Insurance Department said Tuesday.
The FAIR Plan is an insurance pool that all the major private insurers pay into, and the plan then issues policies to people who can’t get private insurance because their properties are deemed too risky to insure. The plan, with high premiums and basic coverage, is designed as a temporary option until homeowners can find permanent coverage, but more Californians are relying on it than ever. There were more than 452,000 policies on the Fair Plan in 2024, more than double the number in 2020.
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FILE - A property burned by the Eaton Fire is seen Thursday, Feb. 6, 2025, in Altadena, Calif. (AP Photo/Ethan Swope, File)
FILE - Chris Wilson walks through the remains of his home, consumed by the Eaton Fire, in Altadena, Calif., Thursday, Jan. 30, 2025. (AP Photo/Jae C. Hong, File )
FILE - Trees sway in high winds as the Eaton Fire burns structures Jan. 8, 2025, in Altadena, Calif. (AP Photo/Ethan Swope, File)
FILE - Residences destroyed by the Eaton Fire line a neighborhood in Altadena, Calif., on Tuesday, Jan. 21, 2025. (AP Photo/Noah Berger, File)
The plan says it's expecting a loss of roughly $4 billion from the Eaton and Palisades Fires, which sparked Jan. 7, destroyed nearly 17,000 structures and killed at least 29 people. Roughly 4,700 claims have been filed as of this week, and the plan has already paid out more than $914 million.
Under a FAIR Plan request approved by the state Tuesday, all insurers doing business in California will have to bear half the cost and can pass on the rest to all policyholders in the form of a one-time fee. Insurers can collect that cost in the next two years. The state Insurance Department must approve those costs.
State officials didn't immediately have details on how large the fee would be. In approving the request, the state allowed the plan to send out notices and collect funding from marketplace insurers within 30 days.
It’s the first time the Fair Plan has sought approval for additional money in more than 30 years, the department said.
“I took this necessary consumer protection action with one goal in mind: the FAIR Plan must pay claims just like any other insurance company,” Insurance Commissioner Ricardo Lara said in a statement.
“I reject those who are hoping for the failure of our insurance market by spreading fear and doubt," Lara said. "Wildfire survivors can’t cash ‘what ifs’ to pay for food and rent, but they can cash FAIR Plan checks.”
The plan also expects to receive $1.45 billion in reinsurance to help pay out claims. It anticipates it will have roughly $400 million left by July.
According to the plan, 45% of the wildfire claims filed so far are reported as total losses, 45% as partial losses and 10% as fair rental value.
Insurers on Tuesday said they’re committed to helping the recovery process after the fires and that the ability to recoup some of the cost from ratepayers will prevent companies from leaving the state.
“This is essential to prevent even greater strain on California’s already unbalanced insurance market and avoiding widespread policy cancellations that would jeopardize coverage for millions of Californians,” said Mark Sektnan of the American Property Casualty Insurance Association, the largest national trade association for home, auto and business insurers.
But a consumer watchdog group, which opposed a rule that allows insurers to pass off costs to policyholders, said it will challenge the effort.
"Consumer Watchdog is exploring every legal option to stop a bailout if any insurance company seeks to make consumers pay,” Carmen Balber, executive director of Consumer Watchdog, said in a statement.
California is undergoing a yearslong effort to stabilize its insurance market after several major insurance companies either paused or restricted new business in the state in 2023, which pushed hundreds of thousands of homeowners onto the FAIR Plan. Wildfires are becoming more common and destructive in California due to climate change, and insurers say that’s making it difficult to truly price the risk on properties.
Of the top 20 most destructive wildfires in state history, 15 have occurred since 2015, according to the California Department of Forestry and Fire Protection.
The state now gives insurers more latitude to raise premiums in exchange for issuing more policies in high-risk areas. That includes regulations allowing insurers to consider climate change when setting their prices and allowing them pass on the costs of reinsurance to California consumers.
FILE - A property burned by the Eaton Fire is seen Thursday, Feb. 6, 2025, in Altadena, Calif. (AP Photo/Ethan Swope, File)
FILE - Chris Wilson walks through the remains of his home, consumed by the Eaton Fire, in Altadena, Calif., Thursday, Jan. 30, 2025. (AP Photo/Jae C. Hong, File )
FILE - Trees sway in high winds as the Eaton Fire burns structures Jan. 8, 2025, in Altadena, Calif. (AP Photo/Ethan Swope, File)
FILE - Residences destroyed by the Eaton Fire line a neighborhood in Altadena, Calif., on Tuesday, Jan. 21, 2025. (AP Photo/Noah Berger, File)
MINNEAPOLIS (AP) — Thousands of people marched in Minneapolis Saturday to protest the fatal shooting of a woman by a federal immigration officer there and the shooting of two protesters in Portland, Oregon, as Minnesota leaders urged demonstrators to remain peaceful.
The Minneapolis gathering was one of hundreds of protests planned in towns and cities across the country over the weekend. It came in a city on edge since the killing of Renee Good on Wednesday by an Immigration and Customs Enforcement officer.
“We’re all living in fear right now,” said Meghan Moore, a mother of two from Minneapolis who joined the protest Saturday. “ICE is creating an environment where nobody feels safe and that’s unacceptable.”
On Friday night, a protest outside a Minneapolis hotel that attracted about 1,000 people turned violent as demonstrators threw ice, snow and rocks at officers, Minneapolis Police Chief Brian O’Hara said Saturday. One officer suffered minor injuries after being struck with a piece of ice, O’Hara said. Twenty-nine people were cited and released, he said.
Minneapolis Mayor Jacob Frey stressed that while most protests have been peaceful, those who cause damage to property or put others in danger will be arrested. He faulted “agitators that are trying to rile up large crowds.”
“This is what Donald Trump wants,” Frey said of the president who has demanded massive immigration enforcement efforts in several U.S. cities. “He wants us to take the bait.”
Minnesota Gov. Tim Walz echoed the call for peace.
“Trump sent thousands of armed federal officers into our state, and it took just one day for them to kill someone,” Walz posted on social media. “Now he wants nothing more than to see chaos distract from that horrific action. Don’t give him what he wants.”
The U.S. Department of Homeland Security says its deployment of immigration officers in the Twin Cities is its biggest ever immigration enforcement operation. Trump's administration has said both shootings were acts of self-defense against drivers who “weaponized” their vehicles to attack officers.
Connor Maloney said he was attending the Minneapolis protest to support his community and because he's frustrated with the immigration crackdown.
“Almost daily I see them harassing people,” he said. “It’s just sickening that it’s happening in our community around us.”
Steven Eubanks, 51, said he felt compelled to attend a protest in Durham, North Carolina, on Saturday because of the “horrifying” killing of Good in Minneapolis.
“We can’t allow it,” Eubanks said. “We have to stand up.”
Indivisible, a social movement organization that formed to resist the Trump administration, said hundreds of protests were scheduled in Texas, Kansas, New Mexico, Ohio, Florida and other states.
In Minneapolis, a coalition of migrant rights groups organized the demonstration that began in a park about half a mile from the residential neighborhood where the 37-year-old Good was shot on Wednesday. Marchers carried signs calling for ICE to leave and voiced support for Good and immigrants.
A couple of miles away, just as the demonstration began, an Associated Press photographer witnessed heavily armed officers — at least one in Border Patrol uniform — approach a person who had been following them. Two of the agents had long guns out when they ordered the person to stop following them, telling him it was his “first and final warning.”
The agents eventually drove onto the interstate without detaining the driver.
Protests held in the neighborhood have been largely peaceful, in contrast to the violence that hit Minneapolis in the aftermath of the killing of George Floyd in 2020. Near the airport, some confrontations erupted on Thursday and Friday between smaller groups of protesters and officers guarding the federal building used as a base for the Twin Cities crackdown.
O’Hara said city police officers have responded to calls about cars abandoned because their drivers have been apprehended by immigration enforcement. In one case, the car was left in park and in another case a dog was left in the vehicle.
He said immigration enforcement activities are happening “all over the city” and that 911 callers have been alerting authorities to ICE activity, arrests and abandoned vehicles.
The Trump administration has deployed thousands of federal officers to Minnesota under a sweeping new crackdown tied in part to allegations of fraud involving Somali residents. More than 2,000 officers were taking part.
Some officers moved in after abruptly pulling out of Louisiana, where they were part of another operation that started last month and was expected to last until February.
Three congresswomen from Minnesota attempted to tour the ICE facility in the Minneapolis federal building on Saturday morning and were initially allowed to enter but then told they had to leave about 10 minutes later.
U.S, Reps. Ilhan Omar, Kelly Morrison and Angie Craig accused ICE agents of obstructing members of Congress from fulfilling their duty to oversee operations there.
“They do not care that they are violating federal law,” Craig said after being turned away.
A federal judge last month temporarily blocked the Trump administration from enforcing policies that limit congressional visits to immigration facilities. The ruling stems from a lawsuit filed by 12 members of Congress who sued in Washington, D.C. to challenge ICE’s amended visitor policies after they were denied entry to detention facilities.
Associated Press writers Allen Breed in Durham, North Carolina, and Scott Bauer in Madison, Wisconsin, contributed.
People place flowers for a memorial at the site where Renee Good was fatally shot by an ICE agent in Minneapolis, Saturday, Jan. 10, 2026. (AP Photo/Jen Golbeck)
Protesters gather during a rally for Renee Good, who was fatally shot by an ICE officer earlier in the week, Friday, Jan. 10, 2026, in Minneapolis. (AP Photo/Jen Golbeck)
Protesters gather during a rally for Renee Good, who was fatally shot by an ICE officer earlier in the week, Saturday, Jan. 10, 2026, in Minneapolis. (AP Photo/John Locher)
Demonstrators protest outside the White House in Washington, Saturday, Jan. 10, 2026, against the Immigration and Customs Enforcement agent who fatally shot Renee Good in Minneapolis. (AP Photo/Jose Luis Magana)
Demonstrators march outside the White House in Washington, Saturday, Jan. 10, 2026, against the Immigration and Customs Enforcement agent who fatally shot Renee Good in Minneapolis. (AP Photo/Jose Luis Magana)
Demonstrators march outside the White House in Washington, Saturday, Jan. 10, 2026, against the Immigration and Customs Enforcement agent who fatally shot Renee Good in Minneapolis. (AP Photo/Jose Luis Magana)
Rep. Kelly Morrison D-Minn., center, Rep. Ilhan Omar, D-Minn., second from the right, and Rep. Angie Craig, D-Minn., far right, at the Bishop Whipple Federal Building, Saturday, Jan. 10, 2026, in Minneapolis. (AP Photo/Adam Gray)
Minneapolis Mayor Jacob Frey holds a news conference as Police Chief Brian O'Hara listens, on Saturday, Jan. 10, 2026, in Minneapolis. (AP Photo/Jen Golbeck)
Protesters gather during a rally for Renee Good, who was fatally shot by an ICE officer earlier in the week, Saturday, Jan. 10, 2026, in Minneapolis. (AP Photo/Adam Gray)
Federal agents stand outside the Bishop Henry Whipple Federal Building as protesters gather in Minneapolis, Saturday, Jan. 10, 2026. (AP Photo/Adam Gray)
Federal agents stand outside the Bishop Henry Whipple Federal Building as protesters gather in Minneapolis, Saturday, Jan. 10, 2026. (AP Photo/Adam Gray)
Protesters gather during a rally for Renee Good, who was fatally shot by an ICE officer earlier in the week, Saturday, Jan. 10, 2026, in Minneapolis. (AP Photo/Adam Gray)
Federal agents look on as protesters gather during a rally for Renee Good, who was fatally shot by an ICE officer earlier in the week, Saturday, Jan. 10, 2026, in Minneapolis. (AP Photo/Adam Gray)
A woman holds a sign for Renee Good, who was fatally shot by an ICE officer in Minneapolis earlier in the week, as people gather outside the U.S. Immigration and Customs Enforcement facility Friday, Jan. 9, 2026, in Portland, Ore. (AP Photo/Jenny Kane)
Two people sit in the street with their hands up in front of Minnesota State Patrol during a protest and noise demonstration calling for an end to federal immigration enforcement operations in the city, Friday, Jan. 9, 2026, in Minneapolis. (AP Photo/John Locher)
Minnesota State Patrol officers are seen during a protest and noise demonstration calling for an end to federal immigration enforcement operations in the city, Friday, Jan. 9, 2026, in Minneapolis. (AP Photo/John Locher)
Minnesota State Patrol officers are seen during a protest and noise demonstration calling for an end to federal immigration enforcement operations in the city, Friday, Jan. 9, 2026, in Minneapolis. (AP Photo/John Locher)
Two people sit in the street holding hands in front of Minnesota State Patrol during a protest and noise demonstration calling for an end to federal immigration enforcement operations in the city, Friday, Jan. 9, 2026, in Minneapolis. (AP Photo/John Locher)
