This is a real problem in California and is some how ingrained into the political structure and hard to shake.

The Governor last year: "“There’s something that is truly Californian about the wilderness and the wild and pioneering spirit,” Newsom said in an interview with The Associated Press. “I’m not advocating for no (building).” [1]

AFAIK, lawmakers are actually considering subsidizing insurance costs for exurbs in places that were never meant to host human habitation year round.

[1]: https://apnews.com/article/b17b5c9200a64466b49f3f605f9202fe