Um, no, that's not how it works.

Maybe not, but the critical aspect is that the experts in our local fire
department have stated that the covered moorages increase the fire risk and
promote the more rapid spreading of fires in a marina. Even if the fire
department is incorrect, that's who the city government is going to listen to.

When a boat catches fire in open moorage, more often than not the fire is put
out without involving a lot of other boats. As you will see by this excerpt
from the SFD website, the average loss in an "uncovered" boat fire is under
$50,000. Average loss in a covered moorage fire has been well over $3mm.
Obviously, there are not any sprinklers in an open moorage.

If the Fire Department somehow incorrect by suggesting that structures (such as
covered moorage) where boats are stored need to be opened up or sprinkled?

Excerpt:

The Fire Department’s proposed requirement for fire sprinklers in covered
moorage is in response to a number of large loss fires occurring at Seattle
marinas in recent years. In the five-year period from 1999 through 2003 there
were at least 36 fires occurring at marinas in Seattle, accounting for more
than $20 million in property loss. Five of the 36 fires occurred involved
covered moorage, and resulted in a average property loss of over $3.5 million
each. Fire officials indicate that the actual losses, including required
environmental clean-up, may be much higher. The average property loss for
marina-related fires not involving covered moorage was just under $50,000.