Carelessness is the number one answer but chimney fire ranks pretty high. The website below lists the most common causes of home fires.
Most house fires are typically caused by ignorance, sad to say. It can be something simple like playing with matches, or it can be a long time coming like neglected wiring that sparks an electrical fire. Sometime people can leave flammable objects like oily rags near a heat source, or forget that they left the stove on. Special take must be taken when handling things that can catch fire, and things that can cause fire; the two should never be near each other at any time. Proper maintenance on the house, safety plans, and knowledge on what to do can prevent house fires, and even save lives when they do occur.
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