SACRAMENTO — On a day when the latest California wildfire threat forced emergency precautions, a recently formed commission sent state officials a new blueprint for adapting to increasingly destructive fire seasons.

In the report approved Friday, the commission said California’s fragmented approach to wildfires was “squandering” resources and threatening the viability of the state’s utilities. Instead, the panel recommended that lawmakers create a fund and other means to distribute costs for fire prevention and damage payments more broadly among ratepayers, residents of fire-prone areas, insurance companies and government agencies.

Wildfire survivors and advocates at a commission hearing in Sacramento expressed frustration about what they called a continuing lack of accountability for the state’s largest utility, Pacific Gas & Electric, which has been found responsible for several deadly blazes. But a member of the commission, Michael Kahn, said its proposed changes to state liability, compensation and insurance policies were “not in any way shape or form letting the utilities off the hook.”

The five-member panel, the Commission on Catastrophic Wildfire Cost and Recovery, voted unanimously to send its findings to the governor and State Legislature for consideration.