Why not make it clear that people building structures in fire-prone areas are on their own, and should design appropriately?
A campfire needs tending or it goes out. A bonfire will just burn until it runs out of fuel. A house fire will quickly turn into an inferno. Forest fires are hopefully like nothing you’ve ever seen—the sheer power of them is staggering.
"Normally the weather predicts what the fire will do. In this case, the fire is predicting what the weather will do."
https://www.salon.com/2021/07/20/an-oregon-wildfire-is-so-in...
Spoiler: it turns out that if you have a multi-million dollar insurance policy, the insurance company sends over guys to spray everything with fire retardant gel.