"governments and private companies should be looking at (socializing) mitigations that will keep risk within tolerable levels"
The problem is preference. There are more survivable structures and construction methods, but many people don't want to do them because they don't look as good. This isn't just a sea leave thing that might be better handled at the government level. We can look at stuff like the recent LA fires. If the stare was serious about fire prevention, they would apply the wildlands fire code to new construction in the city. Some people can't even be bothered about stuff like keeping dry brush away from their houses. As the country continues to build bigger and more expensive houses, we will continue to see prices rise.
The problem is preference. There are more survivable structures and construction methods, but many people don't want to do them because they don't look as good. This isn't just a sea leave thing that might be better handled at the government level. We can look at stuff like the recent LA fires. If the stare was serious about fire prevention, they would apply the wildlands fire code to new construction in the city. Some people can't even be bothered about stuff like keeping dry brush away from their houses. As the country continues to build bigger and more expensive houses, we will continue to see prices rise.