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if people want to live in a burn region they shouldn’t be able to have insurance and should be told point blank what sacrifices would need to be made to live in a burn zone.
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I contend that I could design a home that would be a reverse-sacrifice (whatever that might be called).
monolithic composite shell
basalt geo-textile mesh reinforcement
geo-polymer sandstone matrix
water tank and collapsible skylight at the summit
blast-proofing berms in front of the entrance (for the Atomic stuff)
It might cost just as much as the McMansion but there are subtle psychological benfits to living in an hemisphere instead of under a flat [overcast] ceiling.