Is your home outside fire service?? To check if you are go to this site : http://www.co.fairbanks.ak.us/Emergops/fireservice.aspx
Want to get Annexed in? Use the site above for the Petition (see right side)
How does it affect your taxes and insurance? There is a small Mill rate changed when being in a fire service. The amount you'll save in insurance will more than make up for the difference.