Drive into any nice, quaint community at the interface between wilderness and development and you'll see homes surrounded in close proximity by fire vulnerable vegetation. I get it, it looks nice. But there's no way you should be able to get insurance if you allow it.
Not only that, many of these mountain towns are serviced by a limited number of roads, sometimes only one. A wall of fire can easily overtake the population even with advanced warning due to traffic issues.
Climate change is a threat, but fire is also part of the CA ecosystem in many places. It isn't going away and we need to be intelligent in how we anticipate and deal with it.