And so the conspiracy theories begin.
If a person lives in a rural area on a piece of property larger than the typical suburban postage stamp you develop an attitude of freedom. Zoning is often nonexistent. People don't have to mow their lawns, hide their junk cars, chain their dogs, or paint their houses. People do as they please and anyone telling them what to do is likely to get a clear view of the business end of a shotgun. Open fires might technically require a permit but enforcement is unlikely to occur. Any interference by government is met with righteous indignation. Property and other taxes are railed against. The people who wind up in control are often those who join in simply to protect their own wealth (and incumbency) by keeping taxes to a minimum, which usually means the schools suffer. Wow, quite a few sweeping generalizations in here but bottom line is that I grew up in rural England, now live in the Mid West, and can visualize this exact unfortunate situation occurring in a rural community in either area.
Lots of clichés come to mind too: You've made your bed, now lie in it; Poor planning on your part doesn't make for an emergency on mine.
It will be interesting to see what happens in the courts. If there isn't a Good Samaritan law, like the one in New York that put the Seinfeld crew in jail in the series-ending episode, and the fire department wasn't contracted to protect that house, there may be no standing to sue the fire fighters, the town in which they are based, or any of the local governments.
Insurance companies always inquire about the fire department when selling an insurance policy. If the owner received a rate that was based on that department responding to a fire and failed to pay the fee that obligated the department to respond, the insurance company will likely decline to pay the claim and it's due to the homeowner's negligence in paying the fee. As easy as it is to blame the firefighters, anyone who believes in personal responsibility can see that the home owner is responsible for his current unfortunate situation.