Much of the damage from the LA fires could have been averted

The flamesLALA NIMBYLALA are still roaring, the fire crews are still battling and the people of Los Angeles have barely begun to grieve. As of January 15th, the that struck the city had killed at least 25 people and destroyed more than 12,000 buildings. Whole neighbourhoods look as if they have been firebombed. JPMorgan Chase, a bank, estimates that the bill for the damage exceeds $50bn, making the fires the costliest in American history. Even before the flames are put out, many Angelenos are wondering: could some of the pain have been averted? Alas, the answer is yes.Living in Los Angeles has always involved risk. Cradled uneasily between the mountains and the sea, America’s second-largest city is susceptible to fires, floods and earthquakes. Climate change adds to the peril, by making fires . Weather “whiplash” set the stage for the fires: the vegetation flourished after heavy rain, only to be parched to kindling by a long drought. Flames, once sparked, flew far and fast on strong Santa Ana winds.Even if the world makes heroic efforts to curb emissions, such alarming weather patterns will grow more common. Vulnerable places everywhere will need to make themselves less vulnerable. This is where politics in , California and America have failed.Strict regulations in require new homes to be fire-resistant, but most homes are not new. ism and convoluted environmental rules make it extraordinarily difficult to build, so much of the housing stock pre-dates the modern building code and is packed with flammable wood. Dense urban development would be reasonably fireproof, but most of is zoned for single-family homes, which sprawl out into the foothills, nestling against flammable undergrowth. Clearing or thinning that flammable vegetation is hard, since environmental objections can delay controlled burns for years.A well-functioning insurance market would encourage sensible behaviour, by charging people more if they own fire-prone homes in fire-prone areas, and less if they made their homes safer or if they moved. But Californians voted in 1988 to give an elected insurance commissioner the power to . Insurers were forced to use historical data on wildfires, and could not adjust premiums to the added risks from a changing climate. Not only has a crucial incentive to make homes safer been lacking, but some insurers have been pulling out of the state because writing policies is unrewarding. A reform to allow them to use model-based estimates of risk came into effect only on January 2nd.California’s addiction to referendums also makes it hard for the state to budget. A ballot initiative in 1978 puts up obstacles to raising property taxes. Cities aren’t exactly strapped for cash, but they are more dependent on fees for services such as firefighting.The toll of natural disasters, from floods and fires to hurricanes, keeps rising globally. National and local leaders should be working together to reduce the damage. Instead Donald Trump preferred to score political points by blaming California’s governor, Gavin Newsom, for the disaster and calling him “Newscum”. America urgently needs regulations and insurance markets that create the right incentives by promoting cost-effective ways to harden homes and encouraging people to live in safer places. will be rebuilt—Mr Newsom talks of a new “Marshall plan” for the city. People will always want to live in such a beautiful, vibrant place. But the city—and the world—should learn from its tragedy.