Flammable trees well away from a leaf free clean guttered (or no gutter) house are also no compromise requirements.
See: https://research.csiro.au/bushfire/ and https://www.csiro.au/en/work-with-us/services/testing-and-ce...
for the rabbit hole of Australian Bushfire housing certification and testing.
Burning Down the House: Trial by Fire CSIRO- https://www.youtube.com/watch?v=KBtawn7IAnI
Don't even have to go that far.
Wood framing is fine: make your cladding stucco would do a lot (or brick). You can even have siding as cement-base stuff is available:
* https://www.jameshardie.com/blog/siding-types/what-is-fiber-...
You could have metal or clay roofing, but shingles with a Class A rating is available as well:
* https://www.ameriproroofing.com/blog/asphalt-roofing-shingle...
Which are almost definitely known to the state of California to cause cancer.
https://pubmed.ncbi.nlm.nih.gov/1947241/
https://mesothelioma.net/fiberglass-connection-to-mesothelio...
mineral wool insulation aren't regarded as carcinogens
https://www.jm.com/content/dam/jm/global/en/MSDS/20000000205...
SECTION 11. TOXICOLOGICAL INFORMATION
IARC No component of this product present at levels greater than or equal to 0.1% is identified as probable, possible or confirmed human carcinogen by IARC.
ACGIH No component of this product present at levels greater than or equal to 0.1% is identified as a carcinogen or potential carcinogen by ACGIH.
OSHA No component of this product present at levels greater than or equal to 0.1% is identified as a carcinogen or potential carcinogen by OSHA
Trace amounts can possibly sweat out in specific conditions .. which is why you might choose to install with a vapor barrier.
Trace amounts can possibly sweat out in specific conditions
Those limits are:
recently manufactured products contribute no more than 9 µg/m3 of
formaldehyde into the indoor air
https://downloads.regulations.gov/EPA-HQ-OPPT-2023-0613-0230...
It also has to be the type of wool that has been treated, etc.