You know, I'm pretty libertarian (with a small L), but it seems to me that providing for a community service such as a fire department might arguably be a legitimate function of government.
I'm not certain that I'm right in this regard, but it seems worth having the discussion.
I am more certain that standing by with your fire equipment and watching someone's house burn is fundamentally evil.
One of the basic distinctions between libertarians and anarchists is that the former recognize that there are such things as collective goods and the latter do not. The anarchists have some clever theories to support alternative economic models in which there are no collective goods, but I don't find them very convincing.