I have about 40 hours into the game. My friend about the same. He knows three people with 20+. I have read several forum posts and watched reviews on this game. In a handful of instances the fire is mentioned. It's a rare occurrence started by a Pal being on fire or using fire very close to your building. You can stop this by scrapping a section not on fire and by keeping anything that requires fire away from buildings. That said, I spent a day roasting an egg next to a furnace inside my wooden hut and nothing happened.

Also, it's early access.

And one situation create bad does not a game make. Or something. :D - Anyway, gather stone and build your shit outta stone. Looks decent too.