LA is surrounded by high fire risk areas. The wildfire risk is also really unpredictable. The rule of thumb is the closer you are to the beach, the lower the risk.

We were looking to buy a house in Orange or Anaheim Hills because those areas are comparatively affordable. But after the airport fire we steered clear. I took a fire insurance quote on an Orange property, their model says the fire risk is 4 on a scale of 15, but they treat it like 10 because the variance is too high.