I’m with the Insurance Companies on This One

And I cannot f%$3 believwe that I just f%$#ing wrote that, but the insurers are right here, building standards in fire prone areas must be improved.

Actually, strike the, "Fire prone areas," modifier.  Given climate change, everywhere has the potential to be a fire prone area:

The insurance industry is setting homes on fire — just to make a point.

The fires are controlled, kindled in a research lab or staged at training facilities used by fire departments. They are designed to simulate the conditions that help wildfires spread through neighborhoods and cause what the insurers call a “conflagration event,” like the one that killed 102 people and destroyed the town of Lahaina on Maui in Hawaii last August.

The message to homebuilders is stark: Homes in certain parts of the United States must now be constructed with wildfires in mind, or they most likely will not be insured, which would mean they couldn’t be bought with a mortgage.

In part because of climate change and the resulting increase in catastrophic storms and fires, insuring homes in some parts of the country has become a money-losing proposition for the industry. Across the United States, insurers lost $33 billion in 2023 on personal home and auto insurance, according to AM Best, a ratings agency for the industry.

………

That “something” could be the biggest overhaul of building standards in more than 30 years. After Hurricane Andrew devastated part of South Florida in 1992, pressure from the insurance industry compelled homeowners and builders in the state to switch to stronger windows and roof ties. The industry is applying a similar kind of pressure now in response to growing wildfire risk.

I would also note that we have a significant "Fire debt" in those regions as a result of over a century of aggressive fire fighting, so prescribed burns should be a part of this as well.

Not only will it make larger and more extreme fires less likely, but it will return the ecology back to what it was, because the west is largely fire sculpted ecology.