I live in a city where about half of everyone here got stripped of insurance, we are in the foothills and a house hasnt burned down from wildfires for over a decade. You are ignorant of how far reaching these policies are, because everywhere is a fire prone area according to the insurance companies.

Also the cities that are outside of the fire prone areas areover saturated, they need to have density increased and be rebuilt but that aint happening anytime soon.