Glad you daughter's family has missed the fires.
After the last big floods in Brisbane, Suncorp Insurance put insurance rates up significantly. I phoned up and said "I live on top of a hill", why has my insurance gone up? He replied your property is high risk because you have bush at the back. In addition you have tall gum trees on your boundary, which can't be trimmed/removed. We weren't so worried about bush fires then. Like you said, bushfires can be in the suburbs. We've never had an evacuation plan.