I’m in rural California and am also seeing problems similar to this. In my situation the county shut down the local volunteer fire house which put me far away from the next fire house. They then assigned an additional tax for being harder to service and upped the risk for my zone. Then my insurance rates doubled for being far away from a fire house and in an increased risk zone.
I think the state needs to step in and be competitive with insurance. Most insurance companies aren’t even taking on new customers due to risk even within the larger cities. If the risk is too high, then the state is responsible for allowing homes to be built in the locations.
What is the point of letting them continue to operate if they aren’t providing reasonable services?
Why did they shut down the local firehouse? That seems like the real problem. (Not saying that insurance doesn’t need more regulation, too.)
Too costly to maintain. I think they were paying the phone bill.