[mtnops]

Look at commercial zoning fire protections for your zip code and apply those standards to residential.

Additionally, use non-combustible external materials and incorporate an exterior fire suppression system that draws from your own underground water source. You'll need to have your own power source and battery backup to run these pumps. You're looking at $100k for a modest residential structure. Insurance does not give you break for having this in a residential, outside of an insurance rating with -W modifier for the water source.

[bombcar]

Even commercial buildings are built "fire-resistant" and often built to contain interior fires (a commercial kitchen fire is a matter of when, not if).

You'd want to go beyond that to specific materials and thought thereof if you want to survive with a usable building in a wildfire - things like working out of the concrete will be stressed by the heat, etc.

Underground is a good option.