FILE - In this Nov. 18, 2020 file photo taken by a drone, residences destroyed by the Mountain View Fire line a street in the Walker community in Mono County, Calif. As consecutive years of catastrophic wildfires drive up the cost of insuring homes across California, state regulators announced on Monday, Feb. 8, 2021, a step toward creating incentives for retrofitting older homes to make them more resilient to fires. (AP Photo/Noah Berger, File)
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