I’m sure everyone has seen images and video of the wildfires sweeping through canyons, ridges, and adjacent neighborhoods in the northern reaches of Los Angeles over the course of the last week. The scale of this year’s fires eclipses anything that came before. And this is January, not fire season! This is not a mountain town or a single canyon that is hit by fire. It’s an entire region, bedeviled by drought and now by Santa Ana winds, the strong hot winds that periodically sweep in from the east, then across and down coastal mountain ranges.

First, sympathy to the thousands of people and families who have lost a home and have nothing to return to once the fires are out or at least under control. Likewise for the dozens, possibly hundreds, who lose their lives and the tens of thousands who are forced to evacuate for days or weeks, eventually to return to a surviving home now part of a scarred landscape. The human stories are heartbreaking.

Second, this is a body blow to the California housing market (already stressed) and financial situation. Apart from the huge cost and effort of rebuilding tens of thousands of structures, there will be a home insurance earthquake. It was already happening; this will intensify it. Insurers will either increase premiums substantially or exit the market. Politicians will try to force insurers to keep rates stable and not exit the market. The last-resort “California Fair Plan” insurance program, providing fire insurance to owners who can’t find it elsewhere, will expand, run out of money, and pass along the losses to California taxpayers. Bottom line: everything will go up: insurance premiums, property taxes, and state income taxes (to cover Fair Plan losses). It’s going to be a political and financial disaster that follows the natural disaster. I suspect some of the political and financial fallout will affect all Californians, not just those who live in a fire zone.

Third, how will this affect the Church in California? This may be a minor issue compared to grappling with the immediate problems of widespread devastation and, for displaced families, relocation challenges, but it is still a relevant question. The LDS Church has a significant footprint in California. I’m sure many readers either live in California, did live in California, or have family members currently living there. Here are a few impacts.

First, some wards in residential areas hit by fire may shrink or disappear. It may take years for those affected to rebuilt and return; others will never return. It’s hard to run a ward when it suddenly shrinks by 50%. So some units will certainly be combined to maintain the needed bodies to constitute an active LDS ward.

Second, some LDS families will simply move to Idaho or Utah, close to other family members. This is certainly true for those who lose a home but will also be the choice of others who, faced with increased costs noted above, just sell and return to the mother ship. This happened in significant numbers during Covid and, as a result, some LDS units already had to combine. This will be another wave of California exits and LDS unit shrinkage.

Third, there will be a few stories of LDS crews in yellow shirts helping afflicted families. But this is different from the standard LDS helping hands efforts. The scale is too large. It’s not like a post-hurricane scenario where ten LDS guys with shovels can show up and help a family dig mud out of the basement. There is no basement left, there is no house left. It’s not like LDS construction crews are going to show up and rebuild a house. There will be stories about an LDS chapel serving as an emergency shelter (maybe, not generally a thing) and some families taking in a displaced family for a month or two. But, on the whole, the damage is so catastrophic that there simply isn’t much left for an LDS work crew to do, unless they have fire training and equipment (they don’t).

Finally, let’s all give thanks to the firefighters, police, and volunteers who, right now, are still fighting the fires. If you are the praying type, ask for rain, lots of rain.