Wildfires menacing Los Angeles have killed at least 10 people and devoured nearly 10,000 structures, with five fires burning into a third night.

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 battled early Thursday to control a series of major fires in the Los Angeles area that have killed five people, ravaged communities from the Pacific Coast to Pasadena and sent thousands of people frantically fleeing their homes.