California's wildfire seasons have been progressively worse these last 10 years. It now has the San Bernadino Sun's Kevin Smith asking whether home owners insurance may go up as the trend continues.

According to Janet Ruiz of the Insurance Information Institute, rates might not go up immediately following a fire like the Blue Cut wildfire that's currently active. The insurance companies will look at the land's history and the past five to 10 years. The companies will still have to go through the California Department of State before they can raise those rates, though.

On a case-by-case basis though, some homeowners are reporting staggering rate hikes. Some have reported their annual premiums have increased anywhere from $1,000 to $5,000.

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