Not at all.
I grew up in a fire area, we lost a house during ash Wednesday. All our birth records, passport etc were stored in a safe deposit box, all our documents now, same thing unless we plan on using them within 48 hours. If you live in a fire area and you have no backups of such things you are an idiot.
Just for the record, my family was insured and got no handouts from any government. In fact they would have been too embarrassed to take one...far cry from today's feed me mentality like you defend above.
Off the subject. the biggest problem we face today is over population with poor education in bush fire prone areas. Throw this in with idiotic policies of minimal back burning and removal of dead timber...and well it is all another Black Saturday waiting to happen. We are currently looking at buying land in a bushfire area, some 290 acres, we requested from the council an interim approval to remove 210 tree's in a building area, we advised we would replant 1650 more across the property. We basically got laughed out of the council offices and told how important trees are etc and how we would need to look at building the house "within" the environment. Essentially councils are making people build their own potential coffins due to pathetic policy based on greens bullshit.