I have to agree with the guy above. House fires often leave a significant bit of the house structure alone. I also feel that a decent number of scenarios where my house would burn down would be when I'm not there.
Their USB drive was plugged into their NAS. The probability (as they found out in TFA) is very high that a power surge will knock out most of their devices. A house fire wouldn't hesitate in destroying both. I think "close to 100%" is being too generous.
If you don't have 3 copies of your data (with at least 1 offsite) then your data doesn't really exist.
Wildfires for example often destroy homes, but generally allow most people to evacuate.
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