We're rational enough to mostly chalk it up to coincidence or selection bias, but not calculating enough to take advantage of gullible people
(Edited to mention selection bias)
You could dream about a fire for any reason, and fires are unfortunately common enough to at least make local news so unconsciously scanning a headline during the day may plant a "dream worm".
But this happens quite often, even for personal things, like details of the birth of our first kid a couple of weeks before the due date, down to the amount and color of hair, the precise time for a natural birth, and the mino complications right after.
It always gives me split second pause because I want to believe ("quantum entanglement" is weird or witchery is real - she's East European after all). But there's almost always a good explanation for the percieved prescience.