The entire concept behind insurance is risk diversification - which means that the potential payout for high risk policies is mitigated through higher premiums for every policyholder in the pool. In the situation at hand, that pool is the state of California. So while the state insurance commission allows for slight adjustments up or down for policy premiums in high/low risk areas, it’s the totality of risk for the state of California that determines what the “base rates” are for the state.
As a resident of an extremely low risk area of CA I understand what you’re saying, but as far as the insurance industry is concerned a policy written for any property in CA presents a higher risk than a policy written in a state without a high fire risk like Idaho.