The key thing to understand is that you don't get to choose when the house gets destroyed or get advanced notice. Which means you might be in there, or your kids, or all your belongings. But yes, after you're dead in the rubble someone else can rebuild your house and it might be cheaper.

These wildfires produce surprisingly few deaths.

Did you know the most destructive wildfire in California history, the 2018 Camp Fire, destroyed 19,000 buildings but only caused 85 deaths? [1]

[1] https://oehha.ca.gov/sites/default/files/media/downloads/cli...

Yes of course, but everything in life is a risk trade off. Presumably the person you’re replying to understands that.

There’s not much rubble for a house made of wood!