It really depends on what is inside the house more than what the house is made of. A kitchen fire will typically take much longer to spread than a bedroom fire for example, because one is fairly sparsely furnished, and requires the original ignition source provide enough energy to start pyrolising the structure itself, whereas the other just has to produce enough energy to start your bed/clothing/curtains on fire, starting a chain-reaction.

Instead of worrying about what your house is made from, which is far outside the scope of what most people can control anyway, invest in fire-retardent furnishings.

Origninal comment is deleted, so i can’t see what you’re responding to, but I would like to point out that we have had an ongoing war in Europe for the last three years…

Mandatory insurance is a recipe for disaster. Compare the cost of insurance in countries where it is mandatory to the cost here, and you will notice that ours is some of the cheapest in the world.

If you give private companies a captive market, prices will go up.