Houses in parts of California are becoming uninsurable.
For the people who own and live in those houses, that is a disaster;
most Americans don't have money to put a down payment on a new house
if they can't sell the old one. However, insuring those houses so
that they get repeatedly rebuilt would be unending waste, like trying
to fill a leaky bathtub.
The right solution, I think, is for the US government to buy their houses
for what would have been a fair price when they were insurable.
I wonder if it is feasible to build underground houses that usually
won't be damaged by wildfires. The inhabitants will still have to
evacuate as fire comes, but with luck the house will be unscathed
after the fire passes.
Controlled burns are clearly a good thing to do, but there is a lot of
political opposition to that, partly because there is never a safe
time for it nowadays. When people see the danger of not doing them
exceeds the danger of doing them, they will start.