Good morning.

(Want to get California Today by email? Here’s the sign-up.)

With a vacancy rate of around 1 percent, Santa Rosa was a tough place to find a home before its recent disaster.

Then the Tubbs fire wiped out about 5 percent of city’s housing stock — roughly 3,000 homes.

For some of the displaced, the question is now: Do you stay?

Chris Coursey, Santa Rosa’s mayor, said the common reaction of fire victims has been a determination to rebuild. Even so, he added, “I would be naïve to say nobody is going to leave because of this.”

Many homeowners who held insurance policies will be able to erect new houses on their ash-laden properties. But the wine country’s zigzagging infernos didn’t discriminate between rich and poor.