Fire isn’t just a danger in the outlying communties in San Diego. This could happen anywhere in SD, just look around you. San Diego is composed mostly of mesas and brush filled canyons and it’s all nice and dry, ready to burn. All it takes is the spark from a bulldozer or a carelessly tossed cigarette and you got a raging brush fire. The Normal Heights fire started in Mission Valley and raged up the brush filled hills and burned a 150 homes in the mid city.
In my former neighborhood ( in City Heights), Allstate refused to insure my neighbor’s home because of the brush and trees next to their property. CalTrans refused to clear the brush and the fire department said it was not a problem and not unsafe.