Given, say, one acre of land at a specific spot in either the Sierra Nevada or coastal range (Klamath Mountains?) north of the Bay Area, and given that the fire patterns of the last five years will persist or increase as they have increased every year, what is the probability that that acre would get burned in the course of a year?

Another, related question is, are fire insurance premiums rising? That would indicate a rising probability of fire damage.

Guess the insurance companies would have an algorithm for that for the first question and 'yes' for the second.

In Australia every area is designated as a fire risk area or not. The premiums reflect that.

This from today's news:
"California is currently experiencing a record heatwave, with Los Angeles reporting its highest ever temperature of 49.4C (121F)."