Two years ago, the Colorado legislature passed the fair plan, meaning fair access to insurance requirements. Colorado homeowners are seeing insurance premiums sharply increase, but the alternative, legislation to keep them low,

The fires have again renewed focus on dangers in what it known as the wildland-urban interface or WUI, where fire has marched into urban areas in both California and Colorado with greater losses than ever in recent years.

The Hughes Fire started on Wednesday and has already burnt over 15 square miles near Castaic Lake in northwest LA.