To my mind, the better answer would be better building codes. Yes, we're out of land to build on, but allowing homes to be stacked on top of each other, with no defensible space between them, and one road in/ out is asking for trouble. Add to that shake roofs, poor landscaping, and the list goes on. Same goes with building on earthquake faults, and in riverbeds. Cities and counties want that tax revenue, but what does it cost the rest of us,,, especially the uninformed buyer. West coast weather is always going to be unpredictable, but we can even the odds a bit by doing our homework....whether it be fire gel or landscaping.