The federal government will not provide FEMA support if a wild fire wipes you out.  

Appraisal vs how much to offer are two WILDLY different things.The appraiser is going to compute valuation based on multiple models, and then settle on an amount somewhere between them all: NOI at market cap rates, price per door vs. market, and a third way (usually one of $/sq.ft. vs market, $/bedroom vs. market, or book value as computed as replacement value less depreciation plus land value).How much you should offer?

That's how the big boys (large developers) do it.2) Utilities are a huge wild card.

So the dross on MLS is usually wildly overpriced or misdescribed and misunderstood.

In other cities, Roofstock's estimates were wildly off on repairs.

BP has become wildly over-run with armchair quarterbacks.

It's really the wild west, and I actually ended up in litigation last year over a double closing that went bad.  

They came--all 8 of them, including 6 very wild children, mom and grandma. 

I know that would depend wildly on the market and specifics, but how do you go about figuring that out? 

Often similar cash flow positions but WILDLY different risk profiles and ability to sleep well at night.