Settler calls... the calvary arrives... because that is what the calvary does.
The calvary puts out the flames. Helps rebuild the house, assesses the damage, packs the settler up... and the settler won't budge.
Not with hostile environment, snakes, restless natives... nothing that is found in those silly old films... the settler refuses to leave a known, unsafe environment for a unknown, safe one.
The calvary packs her weary ass up, and travels for 15 hours home.