I don't really have an opinion either way, but what I can tell you is it's a massive pain in the ass to insure a house in an area that has a higher than average risk for wildfires.
My cabin for instance (San Bernardino Mountains), being within a few hundred yards of the National Forest, was a bit of work getting insured. Your traditional insurance agencies like Farmers and State Farm won't touch it. We ended up getting a broker that lives on the mountain to help us out, there are only a few insurance agencies that will cover up there. Lloyds of London being one of them.
