Some Homeowners Are Going Without Insurance But Choosing to Stay Put Inaugural UCLA Luskin California Poll reveals residents’ financial well-being and views on voting age, A/C and bracing for wildfire

More than 1 in 5 California homeowners have dropped their home insurance because their policies were canceled or premiums have become unaffordable.

Yet despite a greater financial risk from wildfire and other threats, more than 9 in 10 of these uninsured households would rather stay in their communities than relocate.

This snapshot of the state’s high insurance burden is one of many findings from the inaugural UCLA Luskin California Poll, which measures residents’ viewpoints on some of the most pressing issues of our time.

Directed by UCLA Luskin scholar Martin Gilens, the 2025 poll also took the temperature of Californians on issues including household financial stability, efforts to lower the voting age, air conditioning access at home and in schools, and concerns about climate change.

“Policymakers need a clear understanding of the challenges Californians face,” said Gilens, a professor of public policy, political science and social welfare. “The UCLA Luskin California Poll supports more effective policymaking by systematically documenting Californians’ lived experiences with the urgent economic, environmental and political issues of our times.”

Here are some insights from the poll of 2,419 adults in the state, conducted in English and Spanish from March 5 to May 25, 2025:

  • Financial well-being: One section of the poll set out to identify residents’ economic vulnerabilities using metrics that are more expansive than mere income level. For example, 22% of respondents reported that, faced with an emergency, they would not be able to come up with $2,000 in 30 days. The poll also showed frequent use of financial services outside of mainstream banking, including payday loans (used by 31% of respondents), auto title loans (25%), and pawn shops (22%). Read the policy brief
  • Ballot access: With growing interest in lowering the voting age in the U.S. and internationally, the survey set out to understand the level of support among Californians from different regions and demographic groups. For national elections, about 60% opposed lowering the age to 16 or 17. For school board and local elections, respondents were more evenly split, with about 52% in opposition. Age was a strong determinant of public opinion, with people age 18 to 34 showing robust support while those 55 and older were strongly opposed. Read the policy brief
  • Access to air conditioning: With temperatures rising across the state, access to cooling relief from air conditioning is a public safety issue. While nearly 85% of respondents reported having access to air conditioning in at least part of their homes, almost half said they have at times chosen not to use it due to cost. For those with a child enrolled in a K–12 school, 56% indicated that they have kept their student home due to concerns that the indoor temperatures at school are too hot. Read the policy brief
  • Climate hazards: California has unusually high exposure to climate change hazards, which contribute directly and indirectly to economic losses, social dislocation, illnesses and injuries, and premature death. The poll found that respondents’ No. 1 climate-driven concern is wildfire, followed by heat and drought. Flooding and sea level rise were named by less than 10% of respondents. The poll also found mixed attitudes on whether preparing for different hazards is a matter of personal responsibility or government action. Read the policy brief
  • Homeowners insurance: The poll section on Californians’ ability to insure their homes highlighted rising costs over the past three years. Homeowners whose policies have been canceled or who cannot afford the expense of insurance are acutely vulnerable to future financial risks from environmental hazards. Read the policy brief

 

Wray-Lake on Teens Evolving Views of Racism and Equality

An article published by The Conversation, authored by UCLA Luskin Professor of Social Welfare Laura Wray-Lake, highlights research on the polarization of young people’s beliefs and actions over time due to political divisions evident among adults since 2016. Wray-Lake and her colleagues focused on 1,400 ninth through 12th grade students — hypothesizing that the adolescents would become more divided — and noted that they, “did identify diverging worldviews about racism and inequalities among teenagers and increased discrimination.” The team pointed to research showing that adolescents are influenced in the long term by societal events and political shifts from the Great Depression to changing presidential administrations. “Likewise, the short-term impacts of Trump’s presidency identified by research may portend long-lasting effects for this generation of young people,” Wray-Lake wrote,” adding, “My colleagues and I were tracking adolescents’ beliefs and behaviors over time, which gave us a unique opportunity to document changes after Trump was elected.”

 

Wray-Lake Pens Commentary on Lower Voting Ages

A Policy Analysis for California Education (PACE) commentary by UCLA Luskin Professor of Social Welfare Laura Wray-Lake highlights the first time that 16- and 17-year-olds will be allowed to vote in school board elections in two California cities. Oakland and Berkeley teens will be the youngest voters in California, joining a growing number of under-18 youth nationally and internationally who have gained that right. “Policies to expand voting rights to 16- and 17-year-olds are being actively debated in cities and states across the U.S.,” Wray-Lake said. Since 1995, California has considered statewide policy to lower the voting age 12 times, including in 2023 with proposed legislation that would have lowered the voting age to 17 for all elections. Wray-Lake outlines four arguments for lowering age requirements related to capacity, rights, developmental timing and civic engagement. “Lowering the voting age could also be a catalyst for greater investment in statewide civic education.”


 

Wray-Lake on California Motor-Voter Bill

UCLA Luskin Professor of Social Welfare Laura Wray-Lake spoke to KPBS for a story about a proposed California bill designed to increase the state’s voter rolls by automatically registering eligible voters who obtain a state identification or driver’s license, or make a change of address through the DMV. The so-called motor-voter bill — SB 299 — recently passed in the state Legislature and, if signed by Gov. Gavin Newsom, could potentially increase civic engagement among young people and predominantly Black, Latino, and Asian American and Pacific Islander (AAPI) communities, according to proponents. Opponents of the bill believe it could have unintended consequences. Wray-Lake said that a number of states have successfully implemented similar legislation, citing a 2% to 3% increase in registration. She noted that California currently ranks 25th in the nation for registration of young voters. While amendments to California’s motor-voter law in 2015 implemented registration through the DMV, customers could still choose to opt out.


 

Social Welfare Hosts International Youth Conference

From May 30 to June 2, UCLA Luskin Social Welfare served as host during the 9th edition of the International Youth Conference, which brought together youth from around the world for a series of in-person and online discussions, workshops and collaborations. Hector Palencia of the field faculty was the Luskin School’s local representative to the organizing group, with assistance from students and staff that included Carmen Mancha, Lorraine Rosales and Tera Sillett. The sessions taking place in the Public Affairs Building at UCLA were made available to a global audience of more than 720,000 people via live streaming on IYC’s digital platforms. Participants from 180 countries attended the conference online and in-person. The overarching focus was on United Nations Sustainable Development Goals and youth inclusion in policymaking. In addition to Palencia, UCLA Luskin faculty members Laura Wray-Lake, Randall Akee and David Turner participated in conference events and panel discussions. They were joined by other scholars from UCLA and other universities, youth activists, civil society leaders and luminaries in international peace and security, science and technology, and global governance transformation.  The media partner for this event was ABC7 in Los Angeles, which sent a news crew to campus to interview participants for a story that aired during a May 31 newscast.

View photos from the conference

International Youth Conference


Watch a highlights video about the conference