This is pretty much the poster child for insurance policies. One of the first major uses of insurance was for maritime activities. https://en.wikipedia.org/wiki/Lloyd%27s_of_London

Yeah this question gets asked somewhat frequently in the mountain(ish) town where I live after someone does something dumb and requires extraction.

It's just better that they call right away rather than wait too long and die.

If you search around on the internet, you can find people writing this up in much more detail and more eloquently.

From anecdotal evidence, the few search and rescue units I've been involved with (all non-technical volunteer units) have been overwhelming against charging subjects, at least as a general rule.

But the considerations for something like this are pretty much entirely different, risk to non-technical rescuers is pretty minimal and the costs are just gas and the time spent on what is essentially just an unplanned hike with some extra gear.

There has been at least one case in the White Mountains where the leader of a search and rescue team recommended charging the person they rescued, because that person acted with negligence and put the lives of the search and rescue team in unnecessary danger.

I'm sure this is rare though.

There are some places where that outcome is explicitly listed on the warning signs. Less dramatically, places like Sleeping Bear Dunes list the cost for a rescue at the top to warn people that otherwise might make bad decisions;

https://npca.s3.amazonaws.com/images/11275/93882d38-5217-4aa...

https://preview.redd.it/mx98brhdszg71.jpg?width=960&crop=sma...

Mountain climbers and tourists in Europe who need help have to pay for rescue. Unless they have insurance in which case insurance pays. (It is affordable).