Ideally, yes. But if it's not, what's the best policy for the fire dept.? If they decide to put out all fires whether or not people pay most likely fewer and fewer people will pay, putting the very survival of the FD at risk.
Do you know about the history of firefighting in the US?
In the early days of the fire service, fire departments were, more or less, social organizations in the community. And, being an accepted member meant a certain social status in the community. Remnants of that social status can still be found today in the traditional style firefighter's helmets that resemble top hats worn by the early firefighters. Monies that were used to help fund the organization were obtained by insurance company payouts from fighting fires. Firefighters could easily tell just who had fire insurance and who didn't by fire insurance marks located on the front of the home. Oftentimes it was a problem for homeowners who did not have insurance to have the fire department respond to a fire in their home and effectively remove belongings and such because the firefighters knew that there wouldn't be any money in it for them.
http://en.wikipedia.org/wiki/Firefighting_in_the_United_States#History
The fire department will stop it from spreading, assuming the adjacent property is paid up. If not, sucks to be a cheap-ass libertard. Now they have the freedom to live in a tent next to their burned-out house.
Okay. And as far as the rural poor, they better not even live in a house, since they can't afford to protect it with additional fire insurance.