[slavik81]

Or, the government will step in and provide disaster-relief so people can rebuild their homes on the charred embers.

...maybe I'm just being cynical, but that's often how disasters are handled. e.g. https://www.insurancehotline.com/resources/should-government...

[konspence]

Sure, but if insurance is hesitant..

[neltnerb]

Yeah, this works... once. Maybe twice. At some point no one will insure you and you are seriously on your own because the fire department just won't come. But I suppose it is technologically feasible to design a less likely to burn home. You'd have to actually try though.