Standard homeowners covers fire. It does not cover flood and storm surge damage from storms. If and when the only way you can get fire insurance in California is through the government, because insurance companies won’t write it anymore, then your comparison will be valid. Till then it’s apples and oranges.
California Insurance for Fire is becoming a Market Failure
Rates are 3x to 5x recently and many insurers that are private are no longer offering new plans and finding ways to cancel old plans. There is a state insurance fund yadda, yadda, yadda my point here it is similar enough for comparison.
https://www.hcn.org/articles/wildfire-in-california-more-than-340000-lose-wildfire-insurance
The technical term is rock and hard place for no individual choices can prevent systemic change. Even if you did everything right 10 or 20 years ago when your house was built the "risk" is not the same as it used to be 10 or 20 years ago. Thus saying it is all about individual responsibility is messing not with actual reality and the reality principle but is instead saying in my ideal mental space we would not have this problem. Well if you are going to do that why not also wish for a pony?