I had a chimney fire after a few months of burning wet wood & lots of creosote build up.
It happened at night after a full re-load & I forgot to turn the stove down, it was burning full open for about 3 or 4 hours.
Neighbors drove by, saw flames out the chimney, woke us up.
I don't think it would have got going if I hadn't left the stove intake air wide open (by mistake).
I had about 1/4" to 3/8" creosote layer inside the 8" metal-bestos pipe. Most of it fell into the stove (over 1/2 a 5 gallon bucket full) after I put the fire out & it cooled. December 1982.
I learned that you have to clean a chimney frequently when you burn wet (3 month seasoned) birch.
Bought a brush & started brushing monthly.
Learned here about dry wood, problem solved,

But I still inspect the chimney monthly (new set up now, I can pull a plug & look up)
Have yet to see any creosote build up with dry wood & the new catalytic stove, but I still check
If you burn dry wood & have a clean chimney, you are not in danger of having a chimney fire.
Slow, low burns with wet wood takes time to build up enough creosote to start a chimney fire.