Designing a house to survive a fire isn't that hard. You need a defensible space, pick the right materials (don't go with cheap wood tile that takes 1 oz of bu

Designing a house to survive a fire isn't that hard. You need a defensible space, pick the right materials (don't go with cheap wood tile that takes 1 oz of burning pine needles to light, like in Paradise CA). If in a particularly high risk area I've seen insurance require things like a watering system for the roof, including onsite water (not depending on water pressure) and pump (not requiring grid power). Not a particularly big expense if designing a new home. The main problem with these big fires is they can send sparks for a good ways, and most roofs (even with no trees nearby) end up with leaves and/or pine needles collect in the roof, which are great tinder for starting the house on fire. If 50 homes light up within 20 minutes the fire departments are helpless, which then of course starts the cycle anew with a new launch of embers.