The OP's story is heartbreaking, especially losing all those negatives. But this is my worst fear and we had a wildfire started by idiots shooting tracer rounds in high fire danger come within a 1/2 mile of our house in 2018.I lost my darkroom, studio and most of my negatives to a wildfire started by tourists in 2016.
I told my wife if we lose the house and I lose all this, I am out of photography permanently and completely.