Lawsuits accuse State Farm of secretly working to cut insurance payouts
died in the town -- compared to 12 killed in the upscale Pacific Palisades neighborhood. (Photo by JOSH EDELSON / AFP via Getty Images)](https://npr.brightspotcdn.com/dims3/default/strip/false/crop/571x571+167+0/resize/100/quality/85/format/jpeg/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fdf%2Fec%2F25969f534f8ea371474c2173e294%2Fgettyimages-2254300007.jpg)](https://www.npr.org/2026/01/13/nx-s1-5670393/california-wildfires-home-insurance-climate-change)
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### [California fire victims say fighting with