Many residents in the Western U.S. are insistent on building where they want to, despite the threat of wildfires, according to experts. Such risk is high for about 740,000 homes in 13 Western states, according to a CoreLogic report from September. "One of the things we're looking at is, should there be fee assessments if you're living in that area, to support wildfire-fighting efforts? ... If we are providing insurance at a rate that is less than the risk, are we encouraging development in an area we might not want to?" said PCI's Kelly Campbell, who serves on a Colorado task force on wildfire risk.

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