Well, in my rural MO county, the VFD is funded through tax payer grants and they also ask for support in form of donations and “membership”. I asked the Chief if non-membership would result in a non-response to a home fire and he said “no, we got sued and lost and since our equipment is public property, we must respond if possible to any and all calls within our area, and assist other municpal and rural FDs if they ask...”. Members receive no bill, non-members get a bill for $500 per hour and any consumable materials expended.... Which my home owners insurance noted were covered costs....
My HO policy has no provision for RFD membership or not.
Check out the policies of your local RFD and your HO policy.