Nor can you blame people in Colorado for living with the sweet fragrance of a forest at 9,000 feet. In the last two decades, by one estimate, almost 40 percent of the new homes built in the West are smack dab in the middle of fire country — a habitat of high risk.
yes you can. the ecosystems they are putting their homes on, at the tops of ridges above terrain chimneys and heavy fuel loading are in the middle of dynamic systems, and houses are static. they should be uninsurable, at least not in the same pool as people that build their homes in sane places. Most people understand flooding, and thus there is separate zoning and insurance for flood-prone coastal and flood plain areas, but fire hazard seems to basically get a pass, particularly if it is a city with a lot of fire hazards... they form "hotshot" facsimiles that don't really mitigate the hazard instead of spending the money to mitigate the fuels hazard or just zoning away the building of homes in tinder box areas. it is hard to legislate common sense, but if they can afford to build such homes for cash without insurance, then fine, they can enjoy the luxury, but the situation just gets worse every year that more mcmansions get built with a view but no foresight.