re: smart meter fires. when i built my house, i put the main breaker panel in the pumphouse 120 feet from the house and ran a 200 amp circuit to a subpanel in the house. my smart meter is out at the pumphouse. if it catches fire, all i lose is the electric panel, the pressure tank, and the well pump controls.
i did it that way so that if the house caught fire, i could kill the power to the house and still have power to the pump so i would have water to fight the fire. as it turns out, the separation works the other way too. all hail glorious serendip !!