As wildfires scorched California's Los Angeles and Ventura counties in October, thousands of firefighters tried desperately to extinguish the flames that-fanned by dry winds-threatened to spread.Homeowners weren't the only ones following the spiraling fires with concern, as insurers, too, have seen how once seemingly safe urban areas are now vulnerable.

The advent of location technology, however, is providing insurers with the tools necessary to more accurately underwrite and rate homes in high-risk areas.

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