Inference, Author's Purpose, Text-evidence, Theme Review

1. Based on paragraph 3, what can be inferred about the current state of homes in the U.S.?

 

• A. Most homes are built to withstand severe natural disasters.

• B. There are more natural disasters now than in the past.

• C. Home insurance costs are decreasing as disaster risks increase.

• D. Severe disasters are limited to specific regions of the U.S.

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2. What can be inferred from the information in paragraph 11 regarding government-run disaster insurance?

 

• A. Private insurers prefer to include wildfire coverage in their policies.

• B. Government-run programs may lead to reduced risks for all areas.

• C. The implementation of government insurance may face political challenges.

• D. Current government insurance programs have sufficient funds to cover disaster costs.

3. Why does the author describe the results of Hurricane Andrew and other disasters in paragraph 5?

 

• A. To criticize the federal government’s response to natural disasters.

• B. To illustrate that large disasters often lead to systemic changes.

• C. To show how disaster costs have consistently decreased over time.

• D. To explain why the L.A. fires are not as impactful as past events.

4. What is the primary purpose of the article, "The L.A. fires are just the beginning of a crisis spreading across the country"?

 

• A. To warn readers about the increasing frequency of natural disasters and their widespread impacts.

• B. To persuade homeowners to purchase better insurance policies for fire protection.

• C. To criticize government policies for failing to address climate-related risks.

• D. To argue for stricter building codes and fire prevention measures in California.

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5. What is the central message of the article, "The L.A. fires are just the beginning of a crisis spreading across the country"?

 

• A. Building stronger homes and reforming insurance policies can help address the growing risks of natural disasters.

• B. Wildfires are the most significant environmental issue in the U.S. today.

• C. Government-run disaster insurance programs are the only solution to climate-related risks.

• D. Natural disasters cannot be managed effectively without reducing climate change impacts.

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6. Which statement from the article supports the claim that stronger building codes can reduce the damage caused by natural disasters?

• A. "The L.A. wildfires should be a similar turning point that forces three changes."

• B. "After Hurricane Andrew struck Florida in 1992, the state overhauled its building code to require stronger windows and roofs."

• C. "Many homes weren’t built or retrofitted to withstand the blaze."

• D. "Smart governors should be looking at ways to incentivize people to fortify their homes."

7. What evidence does the author use to illustrate the financial strain on insurance systems caused by disasters?

• A. "The California insurance market is a mess."

• B. "The FAIR plan has only about $700 million in cash on hand—not enough to cover billions in damages."

• C. "Insurers like State Farm, Allstate and Farmers pulled back in California."

• D. "Private home coverage would still include losses from such things as theft or burst plumbing."

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8. Which piece of evidence from the article demonstrates the need for nationwide changes in home construction?

 

• A. "Most American homes are not built to withstand disasters."

• B. "Across the country, the risk of damaging hail or wind is rising."

• C. "In a big demonstration in Anaheim, California, last summer, houses were set on fire to show which ones were strong enough to stay standing."

• D. "Alabama is among states that provide grants up to $10,000 for homeowners to install roofs that can withstand severe wind and rain."

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9. What is a central theme of the article, "The L.A. fires are just the beginning of a crisis spreading across the country"?

 

• A. The increasing frequency of natural disasters demands systemic changes in how we prepare for and respond to them.

• B. Wildfires in California are primarily caused by poor insurance policies and lack of government intervention.

• C. Communities are resilient enough to recover from natural disasters without structural or policy changes.

• D. Insurance companies should be held solely responsible for covering the costs of disasters.

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10. Which statement best reflects the theme that collective action is needed to address the impact of natural disasters?

 

• A. "California’s insurance problems date at least to 1988, when state voters approved a law limiting insurance price hikes."

• B. "Smart governors should be looking at ways to incentivize people to fortify their homes."

• C. "Government-run disaster insurance seems inevitable."

• D. "The FAIR plan has only about $700 million in cash on hand—not enough to cover billions in damages."

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