EXCLUSIVE

For Bella Hadid, the California wildfire's destructive path made things personal ... and now she's fighting to avert a looming threat triggered by the ravaging inferno -- mudslides.

The supermodel has donated $10k to the Malibu Disaster Prevention & Relief Fund. The GoFundMe page is spearheaded by the Point Dume Bomberos ... who need the money to pack sandbags, buy pool pumps, generators, respirators, cleanup materials and other tools.

Rain could arrive sometime next week and fire officials have said fast-moving mudslides -- possibly like the catastrophic one in Montecito earlier this year -- could be powerful enough to bring down trees and tons of other debris. Fact is ... torched terrain won't absorb the rain.