#PalisadesFire: resident opposition to modernization of water systems is a big factor in both why they ran out of water and why insurance companies left. 
This is not victim blaming because in a catastrophe like this lots had to go wrong on all sides. This is just to point out that your neighbors in these high risk areas might not have the foresight to decrease risk to you and your property. 
If you live in a high fire danger area you need to be involved in community group chats and persuade your neighbors to not be afraid to incur extra costs to decrease the chances your house burns down.