Does anyone have any experience with high risk homeowner's insurance? DH and I have been looking at moving to a lower altitude (we're in California, currently living at 7300 feet). We're interested in one of two houses at 4500 foot elevation and have discovered that due to "brush mapping" by the standard insurance companies, none will cover either house. Our only option is to get high risk insurance coverage through a company such as LLoyd's of London at a much higher cost than standard insurance. This brush mapping is apparently occurring in the 9 western states. In the case of the region we're looking at, the mapping includes an area just outside the nearest city limitsand into the 5000 foot elevation. Apparently if a person is already insured by standard insurance, he can keep the policy (with skyrocketing premiums) but new homeowners in the area are out of luck even if they're near a fire department or in an area of little brush that can be cleared.