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A couple of things to add....
Good points were made on maintenance, prevention and detectors in the home. Any chimney/ fireplace call I have been on has a near 100% chance of a homeowner wondering when it was last cleaned. Too many incidents happen due poor maintenace, unattended candles, etc.
A word on home construction- The homes here in the Fairfax Co area and a lot of places across the country are of a new-style light weight construction. They burn hot and fast with a lot of nasty smoke and gases. There is no structural capacity to withstand a fire for long. If they burn, the insurance companies often bulldoze and just start over. In addition to all recomendation, check your homeowners policy and if you rent, get renter's insurance.
On fire depts- local departments have various programs to assist anyone with questions.
Last- to ensure accurate information, mercaptan is added to natural gas to give it its classic 'rotten egg' smell.
FXCOfire
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