On a cold morning I started taking a hot shower, smelled some smoke like burning paper but kept showering. The wife screamed into the bathroom that the basement was on fire.
I told her to call the FD and ran downstairs and grabbed a fire extinguisher. The flames were near the gas water heater and burning the gas valve. I aimed the dry extinguisher at the base of the fire and let 'er rip.
The fire was put down just as the FD arrived. I dragged a burning cardboard box full of my shop rags outside.
What happened:
(1) Dumb bell me kicked the box out of the way the previous night and it landed next to the water heater.
(2) The next morning it kicked on while I showered and caught something in the box on fire.
(3) My basement smoke detector DID NOT sound until after the fire was out. Interesting.
(4) I had the WH inspected and had to replace the gas connection, tubing and WH control.
(5) Bought a new WH, gas as before, but this one has a closed combustion area. Supposed to not ignite even fumes.
Here's a thought about dry extinguisher powder. It really comes out in a hurry, bounces off walls and ceilings, taste bad and does a nice job powder-coating anyone dumb enough to be soaking wet from a shower. The white cake in the hair was especially attractive.
So fires can happen. You need a good extinguisher and can't always rely on smoke detectors to warn you in time. We could have been on our way to work and the house would have been destroyed. By the open gas line when it burned through.