State’s new fire maps won’t push up insurance rates, industry says

After seeing his premiums quadruple in the past three years, Shawn Faircloth wondered if a new wildfire designation could spell yet another insurance hike for his San Juan Capistrano home.
“I’m assuming they will leverage up my rates even more,” said Faircloth, 49, whose home now sits in a “very-high” hazard zone in state wildfire maps released March 24.
Real estate analyst Steve Thomas also noticed that his Ladera Ranch home now sits in a “moderate” fir