those (and heat) are reasons we moved to dairy country in semi rural Tassie, high rainfall, off a flood plain on a small hill and zero bushfire risk. My gf was a RFS Captain in Northern NSW and fought fires from August though November, full time (took time off work and I paid all the bills)

she still suffers PTSD from it all (flashbacks watching the French and Spanish fires) and had zero pay, as pointed out to her by several coppers as they smirked at her during town evacuations, them being paid and she wasn't.