Living in the Montagne Noire, so called because the mountain sides are covered in Oak trees, or pines, more recently. We do worry a bit about fires. In all the time we have holidayed here and since then lived here 6 months of the year, there have been fires. So far we have been lucky, but you do wonder how long your luck will hold out. I feel for those poor sods in the Aude. Next dept to us and we are right in the corner next to them.
And then there is the Barsteward Frog insurance which will only pay out on fire if the culprit who set the fire can be caught. I know of one couple who live in France who refuse to pay house insurance. You can kind of see why.