If Californians vote in favor of the measure on Nov. 4, the number of Republicans in California’s House — nine of 52 total members — would likely be cut in half.

New regulations were supposed to ensure that homeowners in fire zones would have coverage available. But companies can still avoid serving many high-risk areas, a Times investigation found.

In a stretch of Northern California known for farming, ranching and a rural way of life, residents worry a ballot measure to ...