Interesting article I read after the Napa fires.
https://www.marketplace.org/2015/11/25/sustainability/insurance-companies-getting-firefighting-game
I had toyed with starting a fireproofing retrofitting company out in Cali and wildfire prone areas where we make a house more fireproof by adding things like metal roofs, blocking vents, installing an independent generator and well system that would fire up a sprinkler system to soak the property and home. I am sure there would be a million hurdles to jump and regulations up the arse to deal with.
Being in a hurricane prone area, I just spent 20K on a new metal roof, and another 20K on impact windows across the rear of my house so I do not have to shutter them anymore. That is in addition to the shutters and whole house standby generator I purchased 10 years ago.
Being prepared is not cheap.