Raging, out-of-control wildfires sadly have scorched tens of thousands of acres in Southern California, while forcing 180,000-plus residents to evacuate. But when the winds die down and the flames are extinguished, affected residents will face their next hurdle: navigating California’s already fragile home-insurance market. South Floridians, take note. While our natural disasters come in the form of hurricanes, our insurance industry also is shaky.