For many people this is a reality of life. By doing the small things around your home you can still reduce risk.
Specific to combustible roofing or decking, until it is appropriate to replace that, you may want to consider your own fire suppression system that includes hoses, water tanks, pumps and sprinklers. In the event of a wildfire, setting up sprinklers on your roof or having hoses in high-risk area with access to water can make a considerable difference to your risk. So while you may be at a higher risk, there are definitely things you can still do to reduce it. Having water full water totes and pumps, for example, can give you access to water in the event of a power outage.
Understanding your risk can go a long way to coming up with effective solutions to reduce it without major home changes or pricey renovations.