One aspect of insurance is that it doesn't typically cover damages from war. Insurance normally tries to deal with uncorrelated risk

like, one person in an area has their car stolen, and spreads the large amount of harm to one person to be a small amount of harm over many people in an area. It doesn't really scale up to widespread destruction in an area where everyone is massively wiped out. War is one of the things that can cause correlated risk, so outside of exotic policies written specifically to deal with war, insurance policies normally won't cover damage resulting from war.

So if property damage occurs, it's generally going to be a loss to the owner even if they have fire insurance or such.