As the Los Angeles wildfires rage on, millions of residents are preparing for more days of anxiety, packing go-bags with vital documents and irreplaceable mementos as they brace for evacuation orders.

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.

The wildfires forced at least 24 school districts to partially or totally cancel classes for Thursday. At least 16 people have died.