Well, actually if the whole surrounding area is burnt off, then the fire hazard may be years in returning. So, an insurer might be willing to risk it for the next decade but may want to rethink it beyond that. Seems to me the insurers could be proactive in recommending mitigation of the surrounding vegetation as well as perhaps requiring such things as
Common sense in a fire prone area. People seem to forget that California and much of the west is a fire created ecology. It's always burned routinely and the efforts from 1930s to the 1990s to suppress all fire resulted in the build up of too much material. It has nothing to do with climate change. In fact, for years, California records show December has averaged higher rainfall than it did decades ago.
Further, when someone says the fires are bigger, in part, they are referring to the dollars worth of damage. And remember RE got 30% or more expensive just in the past 5 years. Two identical fires, one in 2000 and one in 2025, will have radically different dollars worth of damage.
Creating fire breaks with sprinkler systems would also almost certainly help. Perhaps all the ROW under electric lines could have sprinklers installed. You'd necessarily need to use plastic pipe to prevent induction in metal lines or avoid bringing the lines into the ROW parallel to those power lines. I have a ROW over the farm and the electric company told us in no uncertain terms not to run aluminum irrigation pipe nor to refuel equipment under the lines. It can actually induce enough energy to knock you down if you touch a charged pipe. And the chance of creating a spark from static will set your tractor or mower afire.
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