Actually, there are way more fires in houses than in flats...
That's logical because flat are multi-tenant industrial complexes and are usually required to have commercial fire mitigation like sometimes sprinklers, fire escapes, etc. And they are meant for living, they are meant for existing.
Meanwhile a house is an actual home where you have space, autonomy, and freedom, and sometimes this freedom leads to people making dumb mistakes and burning their house down. After all there are not frequent fire inspections on homes like on apartment buildings.
And for good reason. Without fire inspections and stricter fire rules, unlike in a home, in a flat you would burn to death because of some other idiot's mistake, not your own.
But in a home, you also get the freedom to make mistakes, and very rarely does this lead to your home burning down unless you do really stupid stuff like grilling indoors or doing shoddy electrical work.
In a home, as long as you use common sense, your house probably is not going to burn down.
In a flat, you have to hope and pray the fire inspector does their job and your neighbors are not total idiots.
Conclusion is that if you have common sense, you probably have less of a chance to have your place burn down in a home, than an apartment (flat). More homes burn down because there are plenty of idiots, but homes do not burn themselves down. If you have common sense, a home is actually safer.