I think you are confusing the money that can be lost due to damage from a fire being a large number compared to the amount of money available to spend on fire fighting itself. A private company in business to make money does not care about the money saved from things not being damaged. Insurance companies have an interest in that.
The only way for fire tech to make money would be to come up with an extremely vile scheme to ensure people used their services. Fire tech could extort insurance companies/private owners a percentage of their property's value in order to save their home from the fires. You'd then see door to door sales people using phrases like "it'd be a shame if something were to happen to this lovely home of yours". Some distopian level of society where your house is actively worked to prevent it from burning, but you neighbors house is now a pile of burning embers because they weren't a member while the team working your house stands there and watches.