An insurance company knows that the average cost to build a home in a new California subdivision is ​$96,618 and that in any particular year there is a 1 in 3 chance of a wildfire destroying all the...

An insurance company knows that the average cost to build a home in a new California subdivision is ​$96,618 and that in any particular year there is a 1 in 3 chance of a wildfire destroying all the homes in the subdivision. Based on these data and assuming the insurance company wants a positive expected value when it sells​ policies, what is the minimum the company must charge for fire insurance policies in this​ subdivision?