Eureka Springs, Arkansas is a small town that is a lot quirkier than most people expect. This is a Victorian-era spa town established on the premise of magical healing waters with lots of original architecture, history, ghost stories, witch shops, outdoorsy culture, etc.
Weather: Occasionally <30, every once in a while >100. Four very distinct seasons with occasional snow in winter.
Fire Risk: It's just not a big thing here
Water: No shortage whatsoever. Water actually springs from the ground. A giant freshwater lake is 15 minutes away, and whitewater kayaking is all around. You can actually catch trout in the cold water discharged by dams in the area. Yet because this is a hilly area, floods are not a concern.
Earthquakes: Very stable geology, a couple hundred miles from the New Madrid fault.
Religiosity: Two big landmarks in Eureka Springs are religious tourist traps, and probably most people you meet have the typical Southern dark ages mentality. However, inner Eureka Springs is something of an oasis in the Ozarks, and you'll find a lot more quirkiness and toleration, the occasional Pride flag, head shop, etc. The prevailing politics in the area will be shocking to Californians though, so this might be a tough place to be if one is not accustomed to being in the minority.
Diversity: LOW. North Arkansas/South Missouri is a bastion of hate groups, and the better tolerance in Eureka Springs isn't doing much to attract minorities to the area. Bentonville, Rogers, Springdale, and Fayetteville (basically one large metro) are 45 minutes away and have a lot more educated professionals, a university, and a decent-sized Hispanic and Marshallese population.
Cost: $200k will outright buy a very nice house here. If you don't like it, the mistake wouldn't cost much. California-cottage-level spending will buy you a mansion with a view on the lake.
Other: Believe it or not, you're close to an airport that will get you to most hubs:
https://www.flyxna.com/destinationsAlso See: Hot Springs, AR
TL;DR: Most of what you'd like, but with tradeoffs including the religiosity, low diversity, and weather that occasionally gets uncomfortable during about 4 months out of each year. Relatively low cost of living.