Qualified Insurance Resources (or QIRs) help homes survive fire by treating right around the homes and is included in homeowners’ insurance. Here’s an example of Travelers’ Insurance in Colorado and California using Wildfire Defense Systems
Conceivably this hits the sweet spot of structural protection, and homeowners pay for it through their insurance, so there is less of what economists call “moral hazard.”
Here’s a powerpoint (CGO wildfire conference.pptx) by Monique Dutkowsky. The slides above are from that powerpoint. The powerpoint also includes some policy recommendations. She will have a paper out in the next few months that covers this material in greater depth.