Yeah Sac itself will probably never burn. More that between the heat and the toxic air from fires up in the mountains, you’ll be confined to your home for ever increasing periods of time (if that’s an option for you). The last couple of years have been miserable…I have family in Sac who are giving serious thought to leaving (especially as house prices have gone insane with Bay Area tech workers pricing locals out), and like OP are struggling with the answer as to where.