Wildfires menacing Los Angeles have killed at least 10 people and devoured nearly 10,000 structures, with five fires burning into a third night, as dry desert winds fanning the flames again gathered strength.

The wildfires that destroyed homes in multiple sections of the Los Angeles area will test California’s efforts to stabilize the state’s insurance marketplace after many insurers stopped issuing residential policies due to the high fire risk.

Firefighters are hoping for a break from the fierce winds that have fueled massive blazes in the Los Angeles area, killing 10 people, obliterating whole neighborhoods and setting the nation’s second-l