LOS ANGELES (AP) — As the first anniversary of the Palisades and Eaton wildfires approaches, the landscape remains scarred, with just a few home construction projects visible among the debris. Since the fires began on January 7, 2025, they have claimed 31 lives and destroyed around 13,000 homes, leaving the majority of the area still in ruins.

While Ted Koerner is among the few who have managed to reconstruct his home, most residents face insufficient insurance coverage and logistical nightmares. Koerner's story is an outlier; he sold significant parts of his retirement savings to expedite his home's rebuilding process. However, he acknowledges that many others lack the same financial flexibility.

The communities of Pacific Palisades and Altadena showcase sites where homes once flourished but now lie barren, with businesses and essential services disrupted. Rentals and properties remain vacant as families grapple with the toxic aftermath of burning and contamination. Many owners contemplate their financial futures without the resources to initiate repairs or reconstruction.

Under the veil of slow recovery, numerous residents have fled, unable to return or rebuild their lives. Real estate data shows that over 600 properties have been sold since the fires, with many families left behind weighing their options and futures as they confront delayed insurance claims.

Community sentiments remain heavy, with essential support systems barely meeting the demands of those affected. Insights from activists and survivors reveal a stark picture of inequality in recovery, with various populations experiencing distinct challenges in accessing sufficient rebuilding support.

“Do I empty out my 401(k) and start counting every penny?” reflects Jessica Rogers, who struggles with navigating bureaucratic processes while attempting to rebuild her life after the loss of her home. The rebuilding efforts underscore broader societal issues, including housing affordability and economic disparity as they inch forward one year post-disaster.