If you asked me whether I would want to pay 5x more for a house that reduces my likelihood of dying in a fire from 0.00427% to 0.00104%, I think I would choose to roll the dice (and maybe DIY install a $20 smoke detector).
1950: 6,405 fire deaths / 150,000,000 US pop = 0.00427%
2022: 3,490 fire deaths / 335,000,000 US pop = 0.00104%
1950: 6,405 fire deaths / 150,000,000 US pop = 0.00427%
2022: 3,490 fire deaths / 335,000,000 US pop = 0.00104%