PSPSes? I lived in Paradise until 2020 and had to do the generator-filling and extension cords dance while not having internet for a week or 2 at a time several times per summer. Comcast/Xfinity's gear would last about 24 hours without power and then internet would go out. Contemplated off grid power, but it wouldn't been pointless and futile to sink any more money into an area that was fundamentally unsuitable for long-term occupation.

So, instead of living in a desertifying moonscape with jacked-up insurance costs, we bailed for around the 100th meridian west where there aren't forest fires or earthquakes. And no hurricanes or floods either. The most concerning things are hail and wind which can be more-or-less mitigated and/or insured for, while tornado risk here is on the order of 0.0001%/structure/year.