Earlier quoted context omitted.
You are much more likely to die in a fire in USA, so it makes sense for Americans to take more measurements to prevent it. But in for example Switzerland fires is not a big thing so there is no need to have any laws against it. https://ourworldindata.org/grapher/fire-death-rates
I'm also guessing german europe (swiss, austria, germany) lives in an earthquake free zone, so they can make stone buildings without much consideration for earthquakes while most of the US population has to think about earthquakes and/or hurricanes, so housing is more likely to go towards flexible and flammable wood.
I suspect that is a result of different cultural expectations related to who should be able to afford to own their own home - even if the homes don't last very long.