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.
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.