Rethinking Fire Policy in the Tinderbox Zone

This article in today's New York Times stresses changes in building codes in California to protect new homes in the most dangerous fire zones. (It also has some good photos and maps.) The changes came about because of the damage from previous fires. Even the best built homes can't withstand a total fire. The authors stress that Californians continue to rebuild in the proven danger zones, as well as build new homes. I wonder how they are able to afford home owner's insurance