Why insurers only expect minor damage

Where is it stuck then?
It certainly has something to do with the often family structures of forest ownership, with the customs in silviculture that have been practiced for centuries, to which forest fire insurance has not previously belonged in this country. In addition, the state forests are usually not insured either. And sometimes, especially in agriculture, the premiums may be too high for some farmers, given the sometimes very low margins. This seemed justifiable to many, especially against the background that large forest and wildfires were quite rare in the past.