4000 sq foot lots and 3000 sq foot homes=your house catches fire and burns my house, and mine in turn burns my neighbor on the other side.  Sardine cans on fire.  Gotta love planning and zoning and protecting all that "open" land,  which has expanded by 450,000 acres in just a few days.  No carbon released, that wasn't "natural."     And for Cod's sake,  don't mug the burn victims. 
 When does the US casualty insurance industry go under due to losses just this last month or two?