In my last house, most of the fire safety services were provided by volunteers - in fact most of the safety services in general eg rescue at sea - and Boy were those guys committed and good. (And well-trained.)
You think through your fire plan and your precautions in light of what is going to be available to you at any one time I guess. My own fire safety walk through in, and planning for, this house was very much influenced by the likely situation in the event of a fire. (Not totally, though.)
As always, you try for prevention with something like fire - as best you can. Extricating yourself and your family safely is the prime thing but anyone who has ever been in a fire will also know how awful it is - insurance or no - dealing with the aftermath of the physical effects on a property and its contents. You need to try to avoid any blazes if at all possible so taking some - perhaps - small measures and looking at your behaviour patterns now is the best thing.