How about just stop building houses near places where they're going to light on fire? And stop building them on floodplains while we're at it. Or anywhere else that, you know, is a bloody stupid place to put a house. It's not like there's no room to put them in a more sensible place. If you know it's not just possible but likely that the house will be seriously damaged or destroyed within ten years or so, it's probably best not to build it.
Madness.