Aecetia,
Fire risks depend on the are fire risk maps, immediate proximity to fire suppression zones, property features such as sprinklers, roofing material, etc.
I would to out and try to get multiple quotes on any homeowners insurance. You’ll see a good degree of differences in prices, and ensure you have adequate coverage.
Personally, I would only go with sprinkler installed homes if I absolutely had to live anywhere near high risk fire zones. Problem with these sprinkler systems is potential water pressure problems. During any large fire event, there is always potential problems with water availabilty, e.g. all the water is being used to put out fires elsewhere, pressure drops, etc.
I suppose there probabably are some interesting fire suppression systems utilize your pool along with a backup pump. These are probably not cheap. In addition, any backup pumping system would probably have to be on battery backup.
