Totally agree. You just have to look around and see tons of really nice houses up in the hills that will be very hard and extremely expensive to defend. These p

Totally agree. You just have to look around and see tons of really nice houses up in the hills that will be very hard and extremely expensive to defend. These people should have to buy market based fire insurance or figure out something else. It's much more efficient to defend groups of hundreds or thousands of houses in towns.