Californians are building homes vulnerable to fire in areas prone to the state’s worsening wildfires.

That’s because even California’s wildfire resilience policies, some of the most detailed in the country, and the world, haven’t caught up to wildfire seasons intensifying due to hotter and drier weather affected by climate change, according to a new report from Zurich North America, DuPont, and the nonprofit Institute for Social and Environmental Transition.