When I was a teenager, we had a kitchen fire. About $10,000 worth of damage in the early 1960s. Fast forward. I have fire extinguishers throughout my house. They are routinely recharged. Once, I had to use one when there was an oven fire. A mess to clean up, but fortunately, no damage. I have the routine fire/carbon monoxide detectors at different places in the house. Probably have headed off potential fires when I have been distracted. Finally, I had my handyman do rooftop manual water systems for the house and garage. The trees are also routinely trimmed and old files tossed. Whether you live in Maine in the woods, New York City in a high rise, or in a ranch style house, the danger from fire, before, during and after shtf is probably much higher attacking hordes of Zombies, a mugging at the automatic teller or a burglary. The danger is also present if your area is subject to hurricanes, tornadoes, being snowed in during the winter. Do your own check. In my area, if you live within 50 yards of a fire hydrant, have the fire hydrant tool and fire house, you may be able to cope if shtf, the water pressure is there and the fire department is elsewhere. Of course, I don't advocate breaking the law if the law prevents you from hooking up in an emergency.