So here's another idea, to make sure the fee gets paid: Tack it on to something that DOES get paid, like the property tax. Just include it right in there.
I believe that was the plan at some point in that county but residents voted it down.
Personally, don't believe something as critical as fire protection should be "opt in." Unfortunate but true ... sometimes people have to be protected from themselves.
The consequences aren't over yet, assuming they have a mortgage and homeowners/fire insurance coverage.
From industry-standard Deed of Trust:
Preservation, Maintenance and Protection of the Property. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate or commit waste on the Property.Homeowners insurance policy boilerplate:
Perils not included. This company shall not be liable for loss by fire or other perils insured against in this policy caused, directly or indirectly, by: neglect of the insured to use all reasonable means to save and preserve the property at and after a loss.Conditions suspending or restricting insurance. Unless otherwise provided in writing added hereto this Company shall not be liable for loss occurring (a) while the hazard is increased by any means within the control or knowledge of the insured. 
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