Wildfires are a regular concern for homeowners in certain areas. While home insurance policies tend to cover wildfire damage nationwide, in places like California companies can make some tweaks to their policies due to the high probability of such peril.
This could mean raising overall rates or adding wildfire coverage as a rider instead of it being included in the standard policy. It could also lead to a very slow payout if there is high claim volume. You can get dedicated fire insurance or look for a company that has robust resources to deal with this specific issue.