Or we may have to change building materials. In Asia, houses are built using granite foundation, brick and cement walls, and concrete slab roofs. Houses built using those materials don't go up in flames.
In the west.....a concrete/rebar home would cost more per sq foot than a modern hardwood/brick luxury home, because a contractor would have to do some pretty insane procurement, and work...a lot.
Plastics/Vinys/Composites used in the west satisfy 2 of those 3 qualities listed earlier, anyway You could even call them hardy as compared to old thatched roofs, sod walls etc.
Now.....let's be realistic. 70 MPH firestorms are historically devastating. Your concrete home in this scenario is destroyed and no longer structurally sound due to the heat stress, exploded water pipes, carcinogens. Everything is fuel when the heat/wind is that high. And if it isn't fuel, it's getting beat up by it.
I have problems with the way this fire waas handled (IE, not maintaining a properly paid wildland force or AIR corps of said force), but I really can't see mass concretization as away out. Simply put: anyone building in LA right now is on some good drugs.
- 70 MPH firestorms: Currently houses made of wood are fuel for the fire. When houses are made of concrete and steel the fuel is taken away and fires don't spread as easily. Why don't we hear of fire devastating homes in the Middle East? Because buildings in the Middle East are constructed using concrete and steel. These materials are less likely to ignite and spread fire compared to traditional wooden structures.
They are also fire resistant
People like lawns and shrubberies, and they hate spending even one dollar extra on roofing when they know a taxpayer-backed insurance policy will cover their substandard construction
So people would prefer to lose all of their belongings and be displaced?
They are clearly preferring to save their money on insurance and keep the chance to lose all their belongings and be displaced. That is a fair way to say what happens when people with the option to buy insurance don't. Including people both whose houses burnt down and whose houses didn't burn down.
In economics there is a difference between stated preferences and economic or "revealed" preferences. It shows what people say they want and what people do with their money are not always the same thing.
Sometimes especially what people say and what people do with their money differ in predictable ways.
It can be fun to juxtapose the observed behaviors with what people say. Makes for very compelling and sometimes cynical commentary.
> they hate spending even one dollar extra on roofing
replacing my roof in a low cost of living area is $25k. I can't imagine what it is down there. It's also an expense that comes up and people don't tend to plan well for. I don't think taxpayer backed insurance even comes into peoples' thoughts at all let alone their justification for lack of planning for property maintenance expense.
100%
> and they hate spending even one dollar extra on roofing when they know a taxpayer-backed insurance policy will cover their substandard construction
That just doesn't follow. More likely is that people building the homes (possibly on spec) are motivated by their bottom dollar, so only do what is mandatory (per your first point) or that people who own the homes simply _don't know about these mitigations_.
Blaming all behavior on a last-resort insurance fund misses a lot of steps between, and I don't think tracks to how people actually behave in the real world.
Yes, but if insurance rates were to be free of government interference, the cost of insurance might start factoring into homebuyers' research and decision processes.
Here is an article about homes that survived specifically due to their fire-prevention strategies, https://www.businesstimes.com.sg/property/these-homes-withst.... And note, of course nothing is 100%, but good fire prevention is like vaccination: it not only lowers your risk of catastrophe by some percentage (say 80%), but it also greatly lowers the risk of you spreading the contagion to others.
The cognitive dissonance here...