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Richard and Kathie Reeves embrace as they stand in the remains of the home of close friends that was destroyed in a wildfire several days earlier, Tuesday, Sept. 15, 2015, in Middletown, Calif. The fire that sped through Middletown and other parts of rural Lake County, less than 100 miles north of San Francisco, has continued to burn since Saturday despite a massive firefighting effort. (AP Photo/Elaine Thompson)

(Bloomberg) — The wildfires ravaging Northern California may be the costliest for the insurance industry in more than two decades by the time the blazes are controlled.

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