We should note that the mention of "natural" fires is irrelevant. The risk that home owners are exposed to is uncontrolled forest fire. It makes no difference whether a fire that burns their home was started naturally or unnaturally. It might well be that more fires are started by careless humans, but it simply doesn't make a difference in their overall risk.

Reducing the fuel load in a forest by prescribed burns in a forest can significantly reduces the overall risk, not increase it. Some home insurance companies offer discounts for meeting standard fire prevention guidelines which can include prescribed burns to this effect.