If your house is a lone survivor of a wildfire, are you better off or not?

There are stories of a few isolated survivors of the Northern California wildfires, homes that their owners managed to protect while everything on all sides of them is burnt to ashes and rubble.

Is there any insurance to be claimed? Can the people continue to live there in the midst of charred desolation? Will they even be able to sell the house?

Or will it turn out that the neighbors who lost everything will be better off with a fresh start?

It seems like a paradoxical win to me.

Tags as I wrote them: wildfires, survival, home loss, insurance.