Not sure if I've ever gone over this. I have a long bad history with fire.
1. When I was around 6, the service people were digging some telephone lines across the street, and something went wrong and it sent a surge up into our attic which caught it on fire. It was mostly contained in the attic, but the whole house had water damage, so we kind of had to re-do the whole thing, although some of the framework was salvageable.
2. Around that same time, my aunt and uncle's house burned down. I don't recall what the cause was.
3. When I was a teenager, our room with the clothes washing machine caught fire. We weren't home but the fire alarm called my dad and he rushed home and put the thing out with the fire extinguisher before the fire department arrived. Mostly just damage to that room.
4. When I was in college, my Aunt and Uncle's (same as above) house burned down again, caused by a cigarette from my young adult cousin, falling asleep smoking. He didn't survive.
5. Maybe 20 years ago, our family business, which we had since sold and wasn't ours anymore burned to the ground.
Despite all of this, I'm not really extra terrified of fire, but I also have this feeling of being resigned to the idea that it will happen again.