[Hugh R]

I'm sort of one of those people that you are refering to. I live on the edge of civilization at the last house in a 25 home tract. I have 18 acres of brush and another 1,000 or so acres behind me. I have the house insured to $250/sq.ft., have brush cleared out about 200 feet, and am at the bottom of the hills, not the top. I also have a terra cotta roof, but could do with stucco on the house, instead of ship lap wood. If I were to lose my house, I wouldn't look, nor expect the government to rebuild. I also have an evacuation plan with my family and my brother who lives three doors down from me.