The [California wildfires](https://www.realtor.com/news/real-estate-news/california-insurance-policy-ban-los-angeles-wildfires/) have killed at least 24 people and destroyed more than 12,000 structures—and not just [celebrity homes](https://www.realtor.com/news/celebrity-real-estate/before-after-photos-home-adam-brody-paris-hilton-california/) and mansions. A number of those structures were privately controlled complexes, where residents were required to pay monthly dues to the homeowners association, or HOA. Those who live and own [HOA properties](https://www.realtor.com/advice/buy/homeowners-guide-to-hoas-homeowners-associations/), like condos and townhouses
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