Yeah, saw that story and man.. I can intellectually understand the fire departments actions, but at the same time - well - damn.
There are two solutions that I could think of that would be fair - 1) roll some portion of the county's taxes into paying for blanket coverage for the unincorporated area. 2) Say fine, you don't want to pay annually? Then if there's a fire and we respond, it's like if you go to the doctor uninsured - big ass bill time. That way, they can save the house and they can make it hurt enough that you shouldn't even flinch at the 75 per year.