Yeah, that lawyers house on the seaside of the PCH was built like that and survived undamagedYou can still have a wood or metal-framed home that is resilient in the face of earthquakes but have the exterior be concrete, metal, vinyl, or stucco all of which are sufficiently fireproof to be as survivable as you are going to get.
There are also these really cool vents that are fire safe. I make do with screens over all of my vents. Although some of them melted in the 2021 burnover event -- for that matter, some of the window screens melted.
Fire Resistant Vents and Ember Safe Vents - Vulcan Vents
Our flame & fire resistant vents are designed to provide excellent airflow & advanced protection against flame and ember penetration to protect the house.www.vulcanvents.com
This stuff is awesome for protecting wooden decks:Large wooden decks are the worst. So is the canyon effect. It is nice to have a view down a canyon to the sea. It is also deadly. Any fire will create a chimney accelerating embers up under the deck.
That ain't how insurance works.But so.many people will have to sell their land for buttons and walk away.
Traditionally, after a loss, you had to rebuild a like kind and quality home at the original location in order to collect all available benefits under your insurance policy, although insurers in some situations have been willing to negotiate and allow a purchase instead of a rebuild.
Meanwhile, yahoos are saying this tragedy is caused by California's poor forest management. Which ignores the fact that the currently burning parts of Los Angeles are not a forest. For that matter, 57% of the forest land in California is owned by the federal government.No simple causes or solutions here, folks. No simple "why didn't they do this or that". No simple villains.