As wildfire risks intensify across the West, Idaho homeowners are facing an insurance crisis that’s leaving many residents without coverage or facing high premium hikes. David Hoffman, 70, has lived in Garden Valley for a decade — long enough to know that fires come with the territory. Must Read "Fires here are a natural thing. You're standing in the woods, look around," Hoffman told Idaho News 6. (1) But this year, after one of the state’s most active fire seasons, his insurer dropped him. “I've neve ...