The local fire department protects my house, same as my neighbors. And when they put out the fire next door, that means it won't get to my house. Even if I never have a fire, the existence and proximity of the fire station is insurance (and reduces my insurance premiums). There is zero chance that a woodland fire will ever be fought with 747 tankers within 100 miles of here. So the benefits of that are entirely external, and I don't even benefit from neighborhood effects. So slightly different. Fire services used to be something you contracted for, and still are in some places.