Let's see now, most localities require you to have a fire extinguisher in the kitchen area. Now the chance of fire exists, but is variable. It's prudent to have a means for dealing with the problem at hand should it occur. [Slightly related, but when was the last time any of us checked the expiration date on said extinguisher and bought a new one? Yes, I have and added one for the garage area.]
Several people have noted that home invasions "don't happen here". 20 odd miles or so away, they seem to be quite common. In the surrounding areas, we also have gang issues. [You probably do too, they exist even in rural areas.]
Now about "doesn't happen here". One of the times I was the intended victim of an armed robbery it was just before noon and we were in front of the Federal Court House in a major city. Traffic cop on the corner.
Remember the Boy Scout motto (or what it used to be): Be Prepared. Doesn't mean you need to look like you're about to patrol Fallujah.
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