Cases / Law, regulation and treaties · United States · 2025
Los Angeles wildfires cause $41bn insured loss; 75% of survivors underinsured
Short record: the main facts, with sources. A full case file has not been prepared.
Nature's voice · report
No measurement of the harm done to me here is on record.
Did nature suffer? Not measured.
Aon put the insured loss from the Palisades and Eaton fires at $41bn, against $58bn in economic losses. Spectrum News 1 reported that 75% of survivors were underinsured; the sources reviewed do not describe environmental effects.
What?
Aon put the insured loss from the Palisades and Eaton fires at $41bn; economic losses were put at $58bn.
Where?
Los Angeles, United States
When?
Early 2025
Who?
Gained
None on recordLost
None on recordHarmed
- Los Angeles fire survivors — were underinsured; 75% per Spectrum News 1 Spectrum News 1
Why?
Not stated in the sources reviewed.
How?
Wildfires; many survivors had insurance that did not cover their full losses. Spectrum News 1
6 of 6 questions answered from the record
What happened
The record, in order.
Aon reported that the Palisades and Eaton fires in Los Angeles caused $58bn in economic losses and $41bn in insured losses, the costliest wildfire on record.
Spectrum News 1 reported that 75% of Los Angeles fire survivors were underinsured.
Swiss Re and Munich Re paid part of the insured loss, according to the sources reviewed.
In court and with insurers
Every proceeding and every insurer decision on record.
Lawsuits and rulings
No court case on record. No court has ruled on this case.
Insurers
No insurer decision on record.
What we don't know
Undisclosed, unproven, untried: recorded as data.
Nature
- Not measured Harm to nature: The record holds no measurement of harm to nature.
Record
- None on record The sources reviewed do not give the share of the insured loss paid by Swiss Re and Munich Re.
- None on record The sources reviewed do not describe environmental effects of the fires.
- None on record Who gained from insurance premiums or reinsurance income is not stated in the sources reviewed.
Did the harm stop?
Not stated in the sources reviewed.
Who paid?
Not stated in the sources reviewed.
Sources
Voices on record: — Company or project— Government and regulators— Courts✓ Press and investigations— Communities and civil society— Researchers
Press and investigations
- 75% of LA fire survivors were underinsuredSpectrum News 1 · 2025-07-07
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