In 34 years in the US I have never met someone who has mentioned that they personally lost possessions in a house fire. Are you working in a field that causes you to interact with people who had their house burn down or something?
Maybe you live in new neighborhood. Last Summer a house a couple blocks from me burned, and while the fire dept. arrived quickly it was obvious that all the contents of the house were lost. Most of the neighborhood was built around 100 years ago so the structures have been through several generations of electrical wiring.
Also, when I was 13 my family's house had a fire and I lost all all of my possessions. I saw the remnants of my bedroom, but I don't think I ever got a real accounting of all that was destroyed. To this day I take photos of artwork and other objects and have (obviously) offsite data backups in case something happens. Its a very strange feeling to suddenly just have the clothing and objects on one's person.
There was a house fire on my street in Washington, DC, in late 2014. The owners sold it at auction to someone who had it taken down to studs and brick before renovating it. Some time in the ten years before that, an apartment building fire a mile south displaced multiple families, and left nothing but the facade.
Not particularly. Today I heard of a musician friend who lost a bunch of equipment in a house fire in Texas. They’re mostly stories similar to that.
50 years here, over half of which have been in Southern California, and I’ve never met anyone who has lost possessions either.