It's hard to imagine that such a shift would
  be more efficient

There was an article linked here the other day [1] that said homes can be designed to withstand wildfires through choice of materials and vegetation clearing.

If the intervention you want to incentivise is replacing wooden roofs and removing fuel near the house, raising insurance bills for people who don't do that could be one way of doing it.

Of course, there's also a case for incentivising not starting the fire in the first place.

[1] https://99percentinvisible.org/episode/built-to-burn/