What's going to happen?

As the fires have calmed down now in San Diego, my thoughts go out to those who have been displaced by this disasterous turn of events.  Insurance companies are going to be quite busy trying to deny coverage to their policy holders - we shall see in the coming months how this will play out.  Is the city going to institute more strict codes for real estate developers regarding fire regulations?  We're not in hurricane central land but are still prone to fires.  And as this area gets drier by the year, thanks to water displacement from - yup, Global Warming - how is the city going to react?  Will insurance rates now skyrocket?  This will be interesting to watch and read about as this will continue to be a major issue for the SoCal residents who lost their houses, condos, and apartments.