So far we have not seen insurance troubles actually stop buyers. They add friction to a sale, and preparation is your best answer to that friction. Buyers in high-risk areas can still get coverage. It may cost more or take more shopping. In California, for example, the state's FAIR Plan exists as a backstop so some form of insurance is always available even where private carriers have pulled back, though it is often pricier and more limited than a standard policy. The insurance market in wildfire-prone areas has been in flux, with carriers leaving and, in some cases, conditions being set for them to return, so the picture can shift over time. Our main advice: do not time your sale around the insurance situation. That situation is unlikely to resolve quickly or cleanly, and waiting for a perfect insurance environment can cost you more in missed opportunity than the friction is worth. Sell when the timing lines up with your actual goals and life plans. What you can control is preparation. Have current coverage information and any available quotes ready, so a nervous buyer sees that insurance is obtainable instead of being left to imagine the worst. A well-prepared listing removes a lot of that fear before it becomes a dealbreaker.