We do get house fires in the UK, as you know - that's what the bloody noisy red Denis lorries are for! To be fair, I don't know directly of anyone who has suffered from a blaze here either. I do have contact with several US citizens who have lost their homes to fire or "weather" (it can get quite breezy in Florida, for example)
Our sticks n bricks will generally get you a longer time to get out than timber only but that also depends on safe methods of egress and lots of other factors. Bear in mind that our floors are mostly wooden joists. On the ground floor (US first floor) we plank with chipboard and finish with carpet or laminate or tiles. The first floor (US second) has joists with wooden planking faced with carpet or laminate or some tiles, the lower surface is plasterboard. Our internal walls are mostly stud wall ie wooden too.
It's the plasterboard (drywalling) that slows fires inside a house. Dense gypsum is a really good way to slow fire down. It won't stop it though. Also you need to consider steelwork. My home has been extensively modified internally and we have a lot of "steels" - mainly to stop the first floor from falling into the lounge and kitchen and to hold the roof up. Ironically, we have a C section steel running along the long axis of the house with wooden props to the roofing purlins to assist with additional snow loading. This is in south Somerset! We have modern insulation in a 1920s house which means that snow doesn't instantly melt on the roof anymore. Some of the original roof insulation was hay - I pulled it out myself.
The UK is generally a lot safer weather, earthquake and wildfire etc wise. However we can't be complacent and neither should you. For fire it is quite easy to form a simple home evacuation plan. It will only take you a half hour. Get a fire blanket for the kitchen. Sort out your fire/smoke detectors and test them occasionally. Get at least one fire extinguisher per floor. You can get "water mist" extinguishers that will cover everything in the home apart from self igniting metal fires. I was recommended them by a Fire Brigade official. Get an escape ladder for upstairs if required. You can get single use ones for about £50 that take up a tiny amount of space in the bottom of a wardrobe and hook onto the window cill. Make sure your windows will permit egress!
It is easy to compare construction methods and see one as better but it isn't that simple. If you live in a place where your home is easily destroyed then cheaper and quicker reconstruction is indicated along with quick evacuation. I should also point out that quite a lot of people around here live in mud huts: wattle and daub (mud/clay with straw and horse piss, OK any piss will do) with thatched roofs and a lot of timber.
I could go on ... 8)