The insurance companies have already begun to require Wildfire assessments in areas like ours. We’ve had personal experience with that. Property owners in the case of wildfire, can do some fire mitigation that might satisfy the insurance companies. But some cannot get insurance at all…..without penalty prices.
Log homes. The formerly-popular shake shingles [most dangerous part during wildfires!] Trees close for shade. All are forbidden. Whole subdivisions in towns are changing the ‘rules’. Stucco and cement walls are encouraged. Metal, cement, or tile roofing materials really do help. Shut up those vents under the roof overhang if fire threatens. Sprinkler system on a well if you’re allowed. Don’t stack firewood near the house. Trim up trees to eliminate ‘ladder’ fuels. Lots of things to improve the chances.
However….areas with hurricanes, constant flooding, etc. Not sure how much mitigation can be done in the large magnitude events. Some river towns have simply moved their whole town up hill when they’d been flattened too many times. for hurricanes, I’ve seen Caribbean homes that are cement domes..on higher ground. Metal shutters have become popular. Well, maybe that would be a smart trend to start before the insurance companies force people into it.
Tornadoes and earthquakes are hard to forecast. { shrug }
Insurance companies are about profit….
OldMtWoman…. “climate change” …lol, can’t miss with that nebulous phrase!