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Live from NPR News in Washington, I'm Lakshmi Singh.

More than 90,000 Californians are still unable to return home.

It's been roughly a week since multiple fires broke out and powered by Santa Ana winds and

dry weather began incinerating structures, sometimes entire neighborhoods. The work of containing

the fires could be set back by more strong winds this week. L.A. County Sheriff Robert Lunas's

crews are searching smoldering rubble and finding remains.

For the El Tadena area, we are in the third day of grid searching. It is a very grim task,

and we unfortunately, every day we're doing this, we're running across the remains of individual

community members.

The death toll currently stands at 24. It is expected to climb. At least 16 people are

unaccounted for. Another grim number, the damage and destruction of more than 12,000 homes

in other structures.

Some estimates put insured losses from the California wildfires at more than $20 billion, which threatens to upend efforts to stabilize the state's troubled insurance market.

NPR's Greg Allen reports insurance companies had all but stopped writing new policies for homeowners and renters in places like Altadena and Pacific Palisades.

California recently adopted regulations allowing companies to set higher rates while also requiring

them to write more policies in fire-prone areas. Amy Bach, with Consumer Group United Policyholders,

...