Hello Modelerr- I find myself uniquely qualified to answer this question as we lost our home in the fire. Many insurance companies dropped their customers unfortunately. However, many have not. The best thing to do is contact insurance companies individually and see what they are doing. I happened to have sold the first property/house after the evacuation was lifted and we had no problems. I've also sold a couple more and we were able to obtain insurance.
Pricing is a different story. Prices have dropped not just due to HPF (High Park Fire) but the recession hit the foothills particularly hard. Then it depends on where your property is - there's that Location-Location-Location as always - If the property you are looking to purchase/or sell has been affected, as well as the road to the property, and the views, it is likely you will lose anywhere between 15-25% of the value and possibly more. This has been confirmed by sales and a few appraisers I've spoken with as well, who, at the end of the day, are the ones who appraise the sales. Furthermore, there was a study done by the Boulder Association of Realtors which shows the same data.
I tell folks they have to look at the property and not think what it looked like, but that here is a new landscape. When trees are cut down, new grass, flowers, bushes and eventually trees will come up. On our own 20 acres, most of the trees have been cut down and in 2013 grass grew and many flowers I had not seen in years came up.
My suggestion is to work with a broker who knows the foothills and is willing to do a bit of research to assist you should you be buying or selling I can be reached at 970.217.6843 or LouiseCreager@gmail.com