We too have the main breaker at the outside meter location. House is in Moultonborough and was built in 2013. However, I have a lock which secures the cover over the main breaker, so I am not sure about the fire department issue, although the fire department could easily cut or break the lock. We do have a Supra key box at the house for the fire/police department to access in order to gain entry into the house without breaking windows or doors.
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