Uh, yeah, reinforced concrete walls, concrete floors, steel studs, fire rated drywall, fire insulation inside all interior walls. The only flamable components is the roof, and it would take a while for a fire to get there. Basically the only thing that can burn inside the house is the paint on the walls. And I still have smoke detectors in every room, including the basement.
I would think a sprinkler system would be overkill, no? My building inspector (local fireman) thought it would be.
Actually if you've been 25 years in the insurance business can you explain why I don't get a discount on fire coverage and pay the same as a stick built house made out of highly flammable materials.
Have you seen many concrete & steel structures burn to the ground?