Can't think for yourself? This is econ 101. People will try to drive down the cost by:

1) Buying/building smaller houses that cost less to insure. 2) Building using different materials which are less prone to burn. 3) Moving to areas less prone to fires/hurricanes etc 4) Voting for representatives who take this more seriously and install better infrastructure to fight fires/floods.

These are all good ideas which haven't been put in place already because the government has distorted the insurance market so badly people aren't getting the right price signals.

People don't build wood houses in an area that gets wild fires