I guess there’s not much else you can do. If you like the home and are comfortable living in a fire area, I’d go for it. You could easily spend $4-5K on Mello-Roos fees in another part of town.

Personally, I like Scripps Ranch. Especially the area south of Pomerado. We almost bought a totally-rebuilt home on Birch Bluff back in 2007. But my wife found pics of homes on the Internet just after the 2003 fire. Then there was the fires in late 2007. No way was she living in that area!