My response to a house fire if it's big enough or I don't know exactly where it is... is to Get Out NOW! Yesterday if possible! Not wearing pants? Tough, if you can grab a pair on the way out put them on once outside! -20 below zero and in the bathtub? Tough luck, GET OUT NOW!
But then again I've actually been through a house fire started by one of the kids in the downstairs apartment. I was in the bathtub at the time, and it was 20 below with a foot of snow on the ground. I was out the door wearing nothing but a pair of underwear, a bath robe which I was still tying shut, and my sister's bunny slippers. All of which were damp or sopping wet because I'd been taking a bath when informed of the fire. In such a state I was out the door, down the stairs, and across the street. Thankfully a neighbor let us into his home while Mom called the fire department and we all warmed up.
The mother of the kid who started the fire? she took her brood next door and called a friend. Not 911.
I'd like to think I'd grab a fire extinguisher and try to put out a kitchen fire myself. But to be honest if it's too big to be contained by covering it with a glass lid or dumping flour on it (aka still in the pan and just starting out), I'd likely be out the door and across the street calling 911. Some of my sims are far braver then I am when it comes to a house fire.