A recent rule change could cause a spike in insurance premium for homeowners across California, as the costs of the Los Angeles area wildfires are passed onto them in a way that was not allowed in the past.

In a state that averages more than 7,500 wildfires a year some California homeowners keep helmets and fire hoses handy. However, the Los Angeles fires demonstrate a new reality: Wildfires in the state are growing larger and more ferocious and burning into suburbs and cities more often,