There were houses that survived recent wildfires because they were built to be in a fire zone and survive fires. I’m sure there was damage but nowhere near total loss.

I’m sure when homes are rebuilt the majority will not be fire resistant.

It’s possible to build for hurricanes and floods too but few do it. They build houses that get blown away and then tap insurance.

Insurance rates for properties not built to withstand the stresses of their environment will go up.