Things like homeowner's insurance and flood insurance (if you live in a flood plain) are required by the mortgage holder, so I would guess the firefighter's fee in a rural area would probably be required too. What they do is collect more money from you in your monthly mortgage payment and hold it in escrow to pay those bills when they are due.
I think that the article said that the firefighters would have acted, fee or no fee, if someone's life was in jeopardy, so maybe that's why they stood by and watched.