It is a tough season to buy fire insurance. Last spring I had several companies that were willing to insure us, but then I waited to long, fire season hit and everyone of them said we are no longer offering insurance in your area. I ended up finding one company that would do it but I was on the phone all day getting rejected.
There will be one that will insure you but it will not be easy to find in August-October. Once you find one… jump on it. It is supposed to be one of the worst fire seasons ever.