Flammability of a house
Fire can start from inside the house or from outside.
The first seconds of a fire are "mostly" “low profile” and easy to extinguish. The next stage is depending on the quantity and the flammability of the nearby materials. Electric appliances, ashtrays and heaters can start a fire. We all have them in home. So the flammability of the construction and the contents of house will make of the house can survive a fire.
Other fire risks come from outside. Look at the advice from :Official Virginia Department of Forestry