California's residential insurance market faces unprecedented disruption as major insurers retreat due to escalating wildfire risk, construction cost increases, and volatile reinsurance markets. Insurers are now passing higher premiums to consumers and pushing homeowners toward the California FAIR Plan—a state-backed insurance program that provides basic property coverage when traditional insurers refuse to write policies. With FAIR Plan resources limited (~$377 M liquidity, as of Jan 2025), regulators and advocates warn of an “uninsurable future” for exposed homeowners. This analysis examines whether FAIR Plan enrollment patterns and financial liability can be predicted using disaster risk exposure, socioeconomic indicators, and insurance cost metrics. Developing a reliable forecasting model would enable policymakers, community organization, and homeowners to anticipate coverage gaps, allocate resources proactively, and identify communities vulnerable to insurance market disruption.