Comment by snakeyjake

>don't live on a hurricane highway nor build houses made from firewood in an area prone to wildfires

Fireproof concrete bunkers would be worse for insurance because when the firestorm blows through and shatters the 7-centimeter windows slits your fireproof design calls for and ignites the interior you have to demolish steel reinforced concrete with machinery instead of knocking down wood with a sledgehammer and muscles.

A Caterpillar D9 is more expensive per day than a migrant laborer.

There are so many images of concrete buildings being burned out that if I search "california fires" the 9th image is of a steel-reinforced concrete building has ~10 meter fire jets blowing out one of its windows.