Standardized modular housing construction. A way to reduce insurance costs.

The standard American home and nature often don't mix; especially in urban / rural fringe areas such as where many of the recent Los Angeles Fires occurred. Future insurance policies could be written to only replace the building with a basic minimum dwelling, such as like a FEMA trailer. For households of more people, maybe several of these units could be installed together for more space.

This type of policy would likely be more affordable than one that tries to rebuild what was on the lot before.