Well, the population of Los Angeles is around 15 million and of greater Southern California somewhere around 30 million, I believe, so that is a lot of homes, and yes, some do get threatened by fire from time to time.

I agree with you about the problems of building in the urban - wild lands interface. You are definitely subject to periodic wild fires, most of which are human caused. We do need to do a better job with power lines and other infrastructure.

SoCal does not experience tornadoes or hurricanes. I believe those cause structural damage from time to time. Every locality has its problems and situations. Learn them and adapt.