<prompt> Human: I am a wildfire victim from Northern California. My 500,000 homeowned free and clear burned to the ground. I guess I got lucky with my insurance and they just paid me out to all the limits of my policy. Now I have nearly a million dollars sitting in my local bank account. From what I understand it is only insured up to 250,000.What are my options for storing this money in the meantime so that it is secure and can conservatively and safely make a little return. Options of nearly no risk to small risk.In the near future, 1-2 years i will likely need about 500,000 of it for the rebuild.  <response>: I guess I got lucky with my insurance and they just paid me out to all the limits of my policy.No, thats literally what your insurance is for, and given they overvalue homes in order to make more money, Im glad to hear they got stuck paying you out. 