It is a issue of jurisdiction and authority, Fire protection in many areas have been taken over by the city or by the county, ( and I have seen fire departments stop because they discover it is in a different district and will not proceed but go back to their department and just call the other. ** their insurance does not cover them outside of their area unless ordered by higher up in the department
But there are other areas that have no service because either their city or county has not approved, or can not fund such a service, The voters have to agree to pay for it.