[Varda]

I never once paid extra on a mortgage because of no firefighters (back when I had a mortgage). That must be newer. Taxes pay for firefighters in the city but being in the city is why they’re union. They do seem to have other duties now. Where I live they show up at auto accidents.

[T.B. Yoits]

The calculations for homeowner's and renter's insurance rates are based in part on whether the municipality has a paid fire department, an arrangement with the county, a volunteer fire department, or no fire department at all.

Your mortgage holder that requires you to have insurance knows what fire protection your town has.