I wonder if it varies by area kinda like car insurance. Down here in San bernardino national forest state farm will not issue new policies for homes since middle of last year if I remember. But they’ll keep current and up to date policy holders stay with them. The fair plan as you know is for any fire outside the home (the forest). My fair plan has gone up $10 in the 4 years I’ve had it. And I’ve had zero increase on my state farm. Couldn’t tell you the exact numbers at the moment as they’re in my mortgage payment. I’ll check now that we’re on the subject