Another year in the books.
Instead of jumping ahead to all things 2026, we at Moonshine Ink decided to revisit some of 2025’s most top-of-mind stories for our region and see what has (or hasn’t) changed.
Below, you’ll read about the latest regarding Tahoe lead cables, North Lake Tahoe incorporation, fire insurance, and the Town of Truckee’s self-reflection.
Lake Tahoe is (Finally) Lead Cable-Free
Follow-up to Lead-Sheathed Telecommunication Cables Removed from Lake … (News Briefs Nov. 25, 2024) printed Dec. 12, 2024, and other investigative stories in prior years
Almost five years since a lawsuit was first filed to remove two lead-leaking telecommunications cables from Lake Tahoe, the cables are fully and completely gone.
This one deserves some historical context:
Back in November 2020, Moonshine Ink broke the news that two four-inch-thick telecommunications cables existed beneath Lake Tahoe’s surface, actively leaking lead into the water — and that legal action was being taken to do something about it.
The intervening years have been somewhat of a rollercoaster. The lawsuit, filed in January 2021 by California Sportfishing Protection Alliance, initially resulted in a settlement by cable owner AT&T that fall. The company agreed to remove the cables, though denied they generated pollution.
Obtaining permits lengthened the removal process. Finally, AT&T planned for fall 2023. But a July 2023 Wall Street Journal investigation found the publicly traded corporation had a legacy of lead-clad infrastructure across bodies of water in the U.S., resulting in a freefall of AT&T stock and the company backtracking on removing the Tahoe cables until more lead testing could be done. (We reported on this, too.)
In September 2024, AT&T settled. By the end of that November, 8 miles of cables were pulled out of Lake Tahoe, though a segment remained due to its proximity to a sensitive habitat to the Tahoe yellow cress.
A year after that removal, on Sept. 18, 2025, the final phase was completed. AT&T worked in coordination with the USDA Forest Service Lake Tahoe Basin Management Unit to pull out the obsolete cable from Rubicon Bay to Baldwin Beach.
“Good weather and calm lake conditions allowed AT&T’s contractor to pull the remaining 100-foot section of cable with minimal impact to Baldwin Beach and Lake Tahoe,” shared USFS Public Affairs Specialist Lisa Herron in a statement. “Forest Service staff were on site throughout the operation, monitoring work to protect habitat for Tahoe yellow cress, a plant found only on Lake Tahoe’s shoreline.”
The League to Save Lake Tahoe (Keep Tahoe Blue) was also involved with the lead-cable removal.
“Taking out these decades-old, unused cables has been a top priority for Keep Tahoe Blue and the community as a whole. We’re proud to have helped make it happen and grateful to everyone who contributed,” said Laura Patten, natural resource director at Keep Tahoe Blue. “Good things happen in Tahoe when unlikely partners come together for a shared purpose.”
History in the Making for North Tahoe
Follow-up to Coming Soon: The Town of North Lake Tahoe? by Melissa Siig, printed March 13, 2025
It took a little over two months for a grassroots organization called Eastern Placer Future to collect what should end up being enough signatures to advance the idea of a Town of North Lake Tahoe closer to the incorporation finish line.
To commence an official exploration of becoming a new town by Placer County’s Local Agency Formation Commission (LAFCO), Eastern Placer Future needed to collect 2,188 signatures (or 25%) from certified voters within the proposed town boundary. During the last week of November, a third-party consultant verified the group collected 2,387 between September and mid-November.
This is the first time such an effort has progressed so far, despite multiple efforts dating as far back as 1966.
Steve Teshara, one of the Eastern Placer Future committee members, contributes the current success to waning influence of the Lake Tahoe portion in Placer County. District 5, which includes Tahoe’s North and West shores, is 77% of the county’s land area, but its population is not rising. Western Placer’s is.
“[District 5 Sup.] Cindy [Gustafson]’s probably the last supervisor that will be a resident of this area,” Teshara said. “That’s a central concern that we’re expressing to people, and people are resonating with that … People want to see where does our money really go, what do we get back, and are there some services that we could do better because they would be all coordinated locally? We’ll still have services provided by the county … like health and human service and a court system and things like that. And we may do some work and contracting with the county to start with, but people are really getting the sense that this is an opportunity to put in place local decision-making.”
But there’s a long way to go before anything becomes official.
During the first week of December, an Eastern Placer Future representative delivered the petitions to the LAFCO office in Auburn and then accompanied LAFCO staff to take the petitions to the Placer County elections office, which has 30 days to review.
“[The elections office is] the final arbiter of whether we’ve got the requisite number of signatures … We do expect to qualify for the petition being certified as valid,” Teshara said.
Assuming all systems are go, LAFCO will review an official Eastern Placer Future application (the group is currently raising $25,000 for a downpayment connected to this) and then put out a request for proposal for a comprehensive fiscal analysis. An environmental analysis will be considered separately.
“And then LAFCO looks at all the pieces, and they make a determination based on do they think that the town would be financially sustainable over a period of time, not just for a couple of years,” Teshara said. “They have to make sure that it’s an efficient way to provide government services in our area.
“Once they go through all that, then ultimately it has to go to the county for discussions, and finally some sort of county vote on the revenue neutrality negotiations.”
Eastern Placer Future funded an initial feasibility study for incorporation back in 2023. Based on Placer County costs and revenues for fiscal year 2021/22, Eastern Placer annually generated about $16.4 million in property tax; about $3.2 million in sales tax; $22.7 million in Transient Occupancy Tax; $2.1 million in property sales; and $862,000 from utility and service providers. The comprehensive fiscal analysis through LAFCO will create more accurate numbers based on recent costs and revenues, though Teshara said Eastern Placer Future anticipates there being enough funding to operate the town.
“A main way that LAFCO judges viability is it determines what your general fund revenues are,” he said. “If you have a general fund surplus of a certain percentage, that is a very helpful sign and metric. We anticipate that being the case.”
Should the Town of North Lake Tahoe (or whatever its official name might end up being) incorporate, it must do so without any harm to the county. Also part of the LAFCO process are revenue neutrality negotiations. “The county will pass through to the town the property tax, the sales tax, the other things that would be legally accruable to the town, but the county can’t lose a bunch of money based on this,” Teshara explained.
Assuming LAFCO approval, then board of supervisors’ approval, voters will step in to decide. To pass, it will take a 50%-plus-one ballot vote of registered voters within the proposed boundary. Regarding whether such a vote could happen as soon as November 2026, Teshara said, “All I can say is that we’re pushing as hard as we can to get through the process. Does the process take time? Are timelines stipulated under state law that LAFCO has to abide by? Yes.”
As the target is a moving one, Teshara said the best place for the latest updates is easternplacerfuture.org, which will have information about upcoming meetings, donation needs and milestones, and progress points.
A Fiery Dance Over Fire Insurance
Follow-up to Understanding the Shortcomings of the California FAIR Plan by John Manocchio, printed March 13, 2025
When Moonshine dove deep into fire insurance in September 2023, the mood — and situation — was dire. That year, most insurance giants (Farmers Insurance, State Farm, Allstate, Liberty Mutual) began limiting coverage in California in reaction to increasing wildfire concerns. As options shrank for homeowners and commercial tenants, many Californians began turning to the FAIR (Fair Access to Insurance Requirements) Plan, the state’s insurer of last resort at higher costs. One Truckee resident told the Ink at the time that her premium through the FAIR Plan shot her monthly payment up by 272%, from $1,800 to $6,700.
Looking back at that time from the end of 2025 reveals that such increases were only just beginning. From October 2024 to September 2025, the FAIR Plan acquired 268,379 new dwelling and commercial policyholders. That’s a nearly 200% increase from the October 2022 to September 2023 timeframe.
The FAIR Plan was enacted in the late 1960s to offer insurance to those unable to find coverage through traditional routes. As of September this year, the plan’s total policies in force (or the number of active policies) is 645,987 — a 96% increase since September 2023.
Further, the FAIR Plan’s total exposure following the same timeframes is $696.1 billion (a 52% increase since last September, and 145% increase since 2023). Back in March 2024, FAIR Plan president Victoria Roach said to a state legislative committee, “We are one event away from a large assessment. There’s no other way to say it, because we don’t have the money on hand [to pay every claim] and we have a lot of exposure.” That event, as it turned out, seemed to be the January 2025 Los Angeles fires, which resulted in an estimated $4 billion loss for the FAIR plan. In February, plan policyholders were assessed $1 billion to recoup losses — the first member assessment in 30 years.
On the Nevada side, the 2025 Insurance Market Report put out by the Nevada Division of Insurance noted that “insurers reported that wildfire risk had a direct impact on policy availability in 2023 … This trend has continued into 2024, where certain areas, such as Incline Village and Stateline, have seen wildfire-related policy non-renewals rise significantly.”
There’s no insurer of last resort in the Silver State, but that seems to be the preference. In June 2024, then-Nevada Insurance Commissioner Scott Kipper held a town hall in Incline Village to discuss fire insurance for residential and commercial owners/tenants. Kipper said then that he didn’t consider the FAIR Plan a good policy.
“I believe [a FAIR Plan is] great for consumers having access; terrific,” he said. “But these plans generally provide lesser levels of coverage at a more expensive price. So, there’s a tradeoff that we need to ensure we work toward.”
Mike Peyton, a Farmers Insurance agent based in Incline Village who handles insurance in both California and Nevada, added the insurer perspective. “[The FAIR Plan is] a double-sided sword,” he said. “As soon as carriers know there’s a FAIR plan, there’s a larger propensity to pull out. That’s what happened in California; all the carriers said, ‘Welp, they have a FAIR plan so at least the consumer has somewhere to go.’ It kind of backfired.”
In June of this year, the Nevada Legislature passed A.B. 376, which allows insurers, beginning Jan. 1, 2026, to exclude wildfire coverage from homeowners’ policies and offer it either as a standalone product or eliminate it altogether.
On a positive note, this move could dissuade insurers from leaving the state like they have in California. So says Nevada policy analyst Anahit Baghshetsyan, who spoke with KUNR in October about the bill and said, “One policy you could think about would be debundling the home insurance, offering only wildfire insurance, mitigate the costs through that, or limited-time insurance, so maybe people would just seek wildfire insurance only in the summer months.”
Peyton, meanwhile, noted that despite the unambiguous state of fire insurance out West: “I think we’re on the upswing.”
The reasoning behind his optimism, he explained, is that people are better educated about wildfire realities and the sticker shock of rising prices has subsided. “Carriers are raising rates again but you’re not seeing double,” he added. “Now it’s the standard 3% to 7% [increase].”
Dillon Sheedy, assistant wildfire prevention manager and forester with the Truckee Fire Protection District, pointed to an encouraging trend from a fire service perspective: “More homeowners are taking proactive steps to create defensible space and meet the standards insurers now look for,” he wrote in an email. “These practices are achievable for most properties in our area, they make a real difference in wildfire risk, and we are seeing insurers remain willing to cover homes that demonstrate strong, well-documented wildfire mitigation actions that follow these guidelines and regulations.”
Sheedy noted that thanks to Measure T, passed by Truckee voters in 2021 to create a dedicated source of local funding for wildfire prevention, the district has expanded its defensible space and home-hardening inspections and increased fuels reduction and green-waste programs, among other increased home survivability efforts.
He added, “We can’t speak on behalf of insurers, but we do believe that communities demonstrating strong, consistent wildfire mitigation work are the ones best positioned over time … As the statewide insurance landscape continues to evolve, our goal is to ensure that the Truckee area is a model of what a well-prepared and wildfire-resilient mountain community looks like.”
The Town of Truckee’s Transparency? So Far, Improving
Follow-up to Square Zero: Truckee Confronts Its Growing Pains by Alex Hoeft, printed June 12, 2025
It’s been a year of considerable self-reflection for the Town of Truckee. After growing outcry over the town’s land development processes and skepticism around an organizational assessment of the town grew to a boiling point in early 2025, a giant reset button was hit in mid-May.
The hope: That three reports meant to analyze the young town’s function internally and externally could provide common ground for groups at odds to move forward in a more unified fashion.
More than 110 recommendations were shared at a May 13 council meeting for the town to address residents’ desire to preserve Truckee’s natural beauty, staffing burnout, processual issues, and more.
Six months later, the rubber has not only hit the road, it’s put mileage on the odometer.
“There’s 15 or 20 [recommendations] that are done,” said Town Manager Jen Callaway, “and we’ve got a ton that are in process that we’re working on — almost 50 of those. We’re making great strides. I think the most probably notable and exciting [one] from a community’s perspective and the staff’s perspective is we just got authorization to execute a [three-year] contract with Cloudpermit [for no more than $182,246]. That’s the permitting software, and we are on target to be live with that in May [2026] at the start of the building season. Pretty rapid progress on that.”
Other notable recommendations that have seen progress the last quarter of 2025:
• Hiring: Council approved 10 of the assessment’s recommended 20 new full-time positions — six of which were for the Truckee Police Department. Staff is 90% through the recruitment process. A new tracking process, NEOGOV, is being used to streamline the ability to collect applications and advance promising individuals.
“What we approved and recommended with this first budget was reclassification of the lieutenants to the captain,” Callaway said specifically of the PD positions. “That required a classification study. We’ve done that; they’ve been reclassified and hired an administrative sergeant … And then an emergency services coordinator, so a second position in emergency services. That recruitment is underway now.”
- Administrative Services Department survey: complete
- Town fiscal policy updates: 75% complete. Staff intends to bring draft policies to town council for final approval during December.
- Enhance town’s credit card procession and payment capabilities: 50% complete
Specific to the town’s planning division, which was recognized as “the biggest organizational/operational challenge facing the town” by the Baker Tilly organizational analysis, staff has incorporated amendments to help “clean up” the development process, Callaway said. The application has also been simplified.
Further, “Our community development director, especially for larger projects, is having more of an initial conversation about timelines, expectations, and trying to understand that better before we even start,” Callaway said. “In addition to the software and the planning on-call hours, the staff is really working hard to try to understand expectations and see if we can meet those, or if we can’t, we’re really clear about why.”
Ed Vento, president and CEO of the Contractors Association of Truckee Tahoe, echoed the sentiment of success. “If you asked me to grade them, I’d give them an A,” he told Moonshine. “I don’t expect perfection; I do expect transparency … The [Cloudpermit] software isn’t going to fix everything, but we expect it to be another tool for staff to use and the public to use toward a better customer service experience.”
CATT members have been able to sit down with engineering and town building staffers to hold discussions on current processes. Vento said he expects the same cooperation and collaboration when meetings with planning staff happen as well.
“Now that both [the town and CATT] have had success, we can approach each other and not think somebody’s up to something,” he continued. “We’ve been able to see each other work. The joke is everyone thinks the town has a conspiracy going. And maybe CATT does too … we both figured out that none of us have the time, the will, and the smarts to work on these conspiracies. We figured out how each other works now and nobody has the time for BS. Is there an issue … with discretion [over design decisions]? Yes, but we’ll address that. We’re taking care of the low-hanging fruit. They’re doing a good job, and I think we are too in communicating.”
