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The short answer is yes, as hearths need to extend a certain distance out from the fire. This is usually around at least a foot in front but is often more, closer to two feet even. There is another distance to consider, which is the distance beyond the opening of the fireplace. Each municipality will have different code requirements. 

According to the National Fire Prevention Association (NFPA), the leading cause of house fires is cooking accidents, followed by fires started by heating equipment. Electrical issues are the third most common cause of house fires. The best way to keep your home protected is to use caution when cooking and never leave a stove or oven unattended while in use. You can also keep up with chimney cleaning and avoid using space heaters to reduce the risk.

A well-constructed and regularly maintained brick chimney can last 50 to 100 years, potentially spanning multiple generations of homeowners. The exact lifespan depends on the quality of construction, materials, local environment, and maintenance. In contrast, a metal chimney typically lasts 15 to 20 years. While the main structure is durable, individual components have shorter lifespans and require more frequent replacement. For example, mortar may need repointing every 20 to 30 years, chimney crowns last 50 to 75 years, and liners can last anywhere from 15 to 50 years depending on the material (e.g., stainless steel vs. cast-in-place).

Fireplace inserts can increase home value when installed correctly. Since they improve heating efficiency significantly, this will be a bonus to homeowners who are looking for a functional alternative heat source. Plus, inserts are less maintenance and less of a liability than a traditional fireplace. You’re very likely to recover fireplace insert installation costs when you sell your home.