larry and jenny stepps home went up in flames saturday. their official fire station is 22 miles away. miles from a home, the homeowners say insurance premiums go up. >> i called the insurance company and they was going to insure it for $500 a year until they found out i was in polk county and seven miles from the fire department, the price went up and i couldn't afford to keep the insurance. >> darcel: henderson county has a much closer station that would enable area homeowners to qualify for affordable insurance. >> larry: haywood county is the first to gather emergency workers from all across north carolina. workers are gathering all week in training classes at lake junaleska creating scenarios and developing strategies to handle them. it's all designed so first responders could react as effectively as possible. >> darcel: right now asheville making changes to help relieve the affordable living crisis. an urban planner is offering new options. hope, what type of new options? >> hope: darcel, that urban planner just wrapped up talking abo

these are the pictures of jenny and larry stepps home saturday at 4:19 p.m. fully engulfed. ebony fire got to the scene but it was too far gone. the site, three days later, still smoulders. >> were you and your wife living >> yeah. this was my main home. >> kim: the issue was larry and his wife couldn't afford fire insurance. >> we lived so far from the fire station. >> kim: their fire station was 22 miles away. insurance companies can't offer reasonable rates. >> if you're more than six miles from a fire district, you're considered a class 10, which is no fire protection. >> kim: larry could not afford it. >> the homeowner to be able to get insurance he could afford would have made a big difference than the aftermath of what he's dealing with now. >> kim: a station four miles from the home would effectively lower rates. >> i'm glad that he brought that i'm now glad that you're bringing it to our attention because it's something we would entertain. >> kim: the stepps hoping their loss with urge the county leaders to make a change. >> we need it to be eboniville. i mean, some