My first idea was to use the Gitea instance of the Free Software Foundation Europe, but T&Cs strongly encourage only projects with direct relation to the FSFE activities, so personal projects don’t seem welcome.
The first-party Gitea platform seems to be in risk of becoming for-profit.
No protection from fire though. Just because you aren’t fussed about privacy, doesn’t mean others aren’t. Some folk like nudist beaches, others do not.