Comment by notabee

It's also a social coordination problem. For example a neighborhood where all the homes have to be fire resistant is going to fare a lot better, and probably be cheaper for the individual home owners to build and insure, than the one fire-resistant home in a neighborhood of tinder boxes. I don't think the prognosis is good for the U.S. in that regard. We have very little social cohesion and a lot of parties interested in making the situation worse for their own benefit.