The municipal fire department's insurer told them that they would not cover injuries sustained while fighting fires on uninsured homes, which was the final stra

The municipal fire department's insurer told them that they would not cover injuries sustained while fighting fires on uninsured homes, which was the final straw for the fire department. The FD had tried for years to find a workable solution and failed because the people in the unincorporated part of the county just didn't want to pay for fire services. IIRC, the county had tried three times in the previous decade to pass taxes to either fund the municipal FD or set up their own; three times the residents of the unincorporated part voted against it. The FD had tried retroactively charging owners, and spent more on collections than they'd earn.