Insurances dropped fire coverage months before LA fires
(files.catbox.moe)
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Simple clay plaster with additives has been used for centuries. It's not 100% protection, but it's cheap and will hold up to small scale stuff. A burning ember won't catch your entire house on fire, for example.
Alternatively, like you mentioned, coatings can be applied and you can use chemical processes to impregnate wood to increase its fire resistant capability. But under intense heat and sustained burns, these things will fail/melt away.
I want to build my entire house out of rubberized concrete and rebar into the side of a hill.