The fire prone areas are not the problem. It is the refusal of Cal Fire Admin. to use military assets to fight the fires. The firefighters on the ground fought a valiant fight, but they can only do so much. By the time the administrators make a decision to allow military to assist fire fighters, is it usually too late and many homes were lost in both fires. You need to do your homework on what makes a home more fire resistant and read up on what happened in the Cedar fire as well as the last round of fires in October 2007. I guarantee, they will return. I also recommend you look at the stability of the city government in each area you are considering. San Diego City, which governs La Jolla, has funding problems which impacts the level of fire protection and law enforcement services you will get. Good schools alone do not make a neighborhood desirable. There are a lot of factors to be considered before you finally decide. I recommend you take your time and choose wisely.