The real reason for houses being consumed by fire are warm and fuzzy feelings and a lack of available money at the time of building which means decisions are taken to minimise the cost of the building which then impact on the buildings' resistance to wind, fire, flooding and the ground moving/shaking.
It is the compromising of good/safe building practices to minimise the impact of wind, fire, flooding and ground moving or shaking that lead to the disasters we see too often on the news feed from all over the world.
Sadly, to many people build their dreams on the foundation of ignorance and do not seek out a solid foundation, based on learned knowledge, to make pragmatic decisions when building their life dreams upon, for their future safety and peace of mind.
It's funny that people want to blame everybody else for the decisions that they make, even God.