My prediction is it will have zero impact on communities that haven't been ravaged by wildfires. I have had so many clients nearly faint when I give them flood insurance quotes for a house they are trying to close on. They are always required to purchase to close on a financed property in a flood zone. Exactly zero of those people asked if the property was in a flood zone (despite being right next to a river or the ocean). People will likely have the same mentality with fires, especially since we have built up communities where we shouldn't, i.e. People won't buy houses in Paradise, but will have no problem buying in adjacent communities.