This actually happened to me.
4am there was hammering on the door to evacuate because the rooves of our houses were on fire.
My very clever neighbour made me get my car keys and money/cards.
He somehow knew that cars near the fire are moved forcibly because of the petrol in them. Windows smashed etc to get access and get the vehicles away fast.
I'd have just run outside with nothing.
Myself and four other neighbours sat in my car behind the taped off shut road and watched the houses go up. I did not know flames could reach that high. It looked as if they'd touch the heavens.
The whole row of roofs caught fire , mine was a three storey victorian house in the middle.
The houses were structurally unsound afterwards so not allowed back in. All i had were the clothes i stood up in.
But....I had my car and that was a godsend.
Thankfully I've always kept my photos in the garage or outside brick shed. Seal them in those plastic storage boxes that shut tight.
Bought the wrong Hot Cross Buns 😩