I hope you and yours are not plagued by the fire. However, I'm interested from a an assumption of the risk prospective, when you purchased your home, did you realize it was situated in an area prone to wild fire? And if you did, why did you assume such a risk? Finally if you get burned out once, does you insurance company take the land as a condition of pay off? Or can you rebuild, with or without fire insurance.

On the East Coast, more and more residential insurers have instituted " no issue" or " no rebuild" zones near the hurricane plagued coastal beaches. One of my friends rebuilt after a mass of hurricane damage, just short of destruction. He used the payout to rebuild. But he was unable to obtain new insurance for less than $30,000 per annum. In practical terms, a " no rebuild" policy by default. He decided to rebuild because it's a vacation home, in the family for decades, mortgage free and he loves to surf. So he uses it without insurance.