Did a little more looking, and it seems embers igniting nearby shrubbery, and then catching window frames or eves on fire is the most common method of ignition.
https://www.frontlinewildfire.com/wi...catch-on-fire/
Looks like rooftop sprinklers can be highly effective.
Quote:
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In the Ham Lake wildfire in 2007, over 72 percent of the properties that survived the fire were fitted with rooftop sprinkler systems, and only one structure with a sprinkler system was destroyed. This demonstrates that when properly installed and maintained, rooftop sprinklers can significantly increase a home’s chances of surviving a wildfire.
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...and the forest service says wildfire prevention is the cause of catastrophic fires.