I saw a video one family that did go into some kind of cellar structure. They pulled the metal plate over the top as the flames blew over them. The gentleman said one corner of the plate glowed red hot.People that live in tornado prone areas in the USA have tornado shelters. Neighbour hoods in fire prone areas need to have fire shelters.
Others jumped into pools or ponds.
But they really need a water spray system.
Rural areas have limited fire protection.
In California, homes in fire-prone suburbs are encouraged to keep trees and brush away from the houses, which would defeat the purpose of living in a forested area, and grow ice plant (Aizoaceae or Ficoidaceae), which are succulents that do not burn.