disaster during after retiring - like LA fires- anyone building that into budget?

Watching non stop news about LA fires made me think. What happens when you retired and had 100% home loss like people in LA. Is it "back to work" time? Also, it looks like alot of people dont understand how home insurance works, like for example LA home worth 1.3 mil, the insurance is not gonna cut check for 1.3 mil. The 1.3 mil includes house and land, insurance is not liable for land so the check will be smaller than that. All this made me think to settle in low disaster area, so Cali and Florida do not make the list. I also really like idea of simply renting during retirement - 0 liability and stress.