I’ve had 3 insurance claims during my lifetime, with insurance paying a total of
between $100k and $200k across the 3 claims. All 3 related to water damage, orginating from within home. I also had other water damage events for which I did not file a claim. Across the full state of CA, non-weather water damage is by far the most common home insurance claim. Across the full US, including areas with harsher weather than typical coastal CA, the largest portion of claims relate to damage from storms, such as wind (particularly southeast) and hail (particularly midwest). Insurance covers many things beyond fire.
That said, I agree that one shouldn’t remove fire from their insurance. While fire claims are extremely uncommon for persons who don’t live in wildfire areas, on the rare occasions when they do happen they can be very expensive, sometimes a total loss. Not living in wildfire areas does not mean, there is no risk of fire. Across full US, the overwhelming portion of fires originate within the home, rather than from weather events. This differs from earthquakes. Unlike fires, earthquakes do not originate from within the home, so minimum risk level is much smaller than with fires.