Place an USB in a different place then you live. Fires happen.
My mother's computer (which is my old) still has my encrypted wallets in an encrypted .zip (different password!) on the HDD. I did not delete it when giving her the old machine. As price for the hardware, she is my backup datacenter ;)
Oh, reminds me: ALways make sure you remember the passwords. You can make it by saying them daily as a prayer before eating or whatever way, just make sure you know them.