As Skribble says, lots of the people who die in fires in public places seem to be on autopilot - they're not dying because they're panicking, they're dying because they're not panicking.
Fires at home, yeah, it's lack of smoke alarms, smoke inhalation, only a single exit, problems getting out. Also, a two-year-old (if not in a cot) will go hide, if there's a fire, in the bottom of a closet. Or somewhere weirder. It's hard to get your kids out if you can't find them.
Gah, now I'm thinking we have to start rethinking our fire plan a) as the kids get bigger, b) as we knock through. Currently I'm responsible for DS2 and DH is responsible for DS1.