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Notes -
Even just wood-frame with the exposed bits clad in non-combustibles gets you most of the way there, provided your house is not literally in the middle of untouched forest. (which is a difficult position, in the worst-case scenario, and really needs firebreaks)
Steel/clay/concrete roof is priority #1, and stucco (or similar) siding helps some too -- we struggle to implement these in Canada for labour cost/expertise and style reasons, but I don't really see how either of these are an obstacle in California? (Earthquake-proof concrete OTOH gets pretty expensive I think?)
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