A proposal to fix California’s insurance crisis would require the insurance department to process requests from insurers more quickly. But that could end with a lot of rate increases for consumers.

Insurance Commissioner Ricardo Lara unveiled a plan to shore up the California insurance market for homeowners, in which insurers would return to wildfire zones, but would have an easier path to rate increases.

As rising costs of rebuilding after several years of wildfires are wiping out profits for California home insurers, State Farm isn’t the first insurer to retreat from the state, and may not be the last.