Just wanted to give some color to BMJ's comment for most people who would not be familiar with the legal boilerplate, as his comment was interpreted as theologi

Just wanted to give some color to BMJ's comment for most people who would not be familiar with the legal boilerplate, as his comment was interpreted as theological by some. In my mind the issue is pretty simple: if you buy a house in a wild-fire prone area, you should expect a wildfire at some point. Whether or not you want to prepare by a) purchasing insurance or b) wild-fire proofing your house is your prerogative. If you're not willing to take/mitigate the risk, then live somewhere else.