The view from the bluffs was a sunny and calm Pacific Ocean with only a distant layer of low clouds hugging the horizon. A fifteen minute drive north along the coast would take you to Malibu where roads are closed due to the Franklin fire. A week earlier a fire erupted late at night. 8 homes were burned as Santa Ana winds gusted to 100 kph and humidity levels dropped to 5%. Pepperdine University was completely surrounded. The fire stands at 43% containment, but dry winds are expected to return in a few days. In November of 2018, the Woolsey fire burned 97,000 acres in just a few days. The term "fire season" has little meaning at this point. Insurance companies have been refusing to write new policies due to the increased risk of loss due to the changing climate. This last week California agreed to allow insurance companies to increase their premiums in response to the new climate reality.