I spent a number of years living in the California fire area and there are a number of "realities" that must be faced if one wants to avoid the reality of replacing a home every decade or so...
The barranca as it is called, is the accumulation of dry vegetation that occurs naturally throughout relatively arid areas. Add to this the natural adaptation of many plants out there that require a burn-off in order to properly propagate.
When the burn occurs naturally every couple of years, the fire moves through rapidly without doing any particular damage.
The problem is that man has built homes out there and he has built them out of flammable materials. Shake roof shingles and white wood studs and rafters make for a quick starting fire. Add to that the fact that small fires are generally quickly extinguished allowing for many years of build-up of dry vegetation throughout the area. When the big blaze does come, it is catastrophic due to the tremendous accumulation of fuel.
Mankind has tried to force Nature to adapt to his desires, and it hasn't worked at all well. Fire resistant homes, or homes built into the ground might be an answer, but it's hard to show off how much money you have when your home is underground. Egos require McMansions.
Still, fire is a frightening reality when it is bearing down on your home, your town, or your place of business. Those faced with this terror have my best wishes and deepest sympathy.
Crusader Rabbit