willytinawin, I believe that during times of emergency, all citizens should collectively be responsible for coming to the aid of those in need.
I do not follow your logic of making people in San Francisco responsible for costs associated with a fire that did not start on property that is owned by SF. (FWIW, I do not live in SF.)
SF property owners pay fees (taxes) associated with many local hazards, most especially those associated with earthquake emergencies. Should the residents of Groveland (for example) also pays those fees??? I don't think so but perhaps you do?
Groveland residents (or property owners?) pay a fire fee (tax) for reasons that I'm unaware although I suspect it is so people that live in fire country pay for that pleasure just in case massive resources are required to fight fire in their neighborhood...as just occurred.