Just about every area you live in is going to be at risk to some natural disaster, its life. Yeah, yeah, there are areas that are at a higher risk, but for the most part these things don\'t just jump out of nowhere. The people I know who got hit in Sylmar in the last fires had warning and got out as quickly as possible. They stayed with other family until things calmed down.
And no, I won\'t be singing a different tune. My life > my possessions. I\'ll let my insurance handle the replacement process.