But what if you are unable to move, e.g. for financial reasons?
It seems unfair that people who live in the woods and who live technologically simple lives would have to pay for the climate change induced by our modern lifestyles.
Living in fire prone areas is part of the modern lifestyle. People only started to build communities there once aggressive fire suppression policies were instituted. Before then, the builder/owner assumed all the risk.
The fires aren't caused by climate change, even if it's making them worse. Building a community out of combustible materials in fire prone areas, while suppressing natural fuel removal via fire suppression policies, is a much more direct cause for loss of property.
Thank you. It's the clearest solution to this problem and likely the only financially viable one. The years where exurban sprawl into every corner of the redwoods made economic sense are long passed.