Higher sea levels are a good counter example to your point. Nobody thinks of normal housing lasting the thousands of years that process takes when you are think

Higher sea levels are a good counter example to your point. Nobody thinks of normal housing lasting the thousands of years that process takes when you are think in terms of ice ages and warming periods, but a relatively modest rise makes a big difference when you’re thinking about things like how much a given house is exposed to storm surge. Similarly, forest fires are always a risk but the fires are bigger, more frequent, and hotter when climate change had been drying out previously wet regions. That means society needs to plan for huge increases in response capacity in much larger regions than previously was the case, so again while it’s technically possible for there to be a fire anywhere those are very different situations from the prospective of everyone on defense. Think of it like the way armies had to change going from flintlocks to automatic weapons, only we’re doing it much faster and are going to have to make hard sacrifices.