Just do competing fire brigades like 1800s America did! Or even earlier, great Rome herself! No taxes! Only pay for what you use! Bidding wars ensure maximum economic efficiency!
(Terms and conditions may apply. Side effects may include gang wars, firebombings, protectionist rackets, firefighters just watching your life go up in flames if you can't afford their services, and light murder.)
https://www.coffeeordie.com/article/baltimore-fire-department-gangs
https://en.wikipedia.org/wiki/1856_Baltimore_Know-Nothing_riots