you dont have to tell them it was in a fire.. just tell them it was destroyed...
go to the police station, tell them you need to get a bonded title and you would like the paperwork for that, they will run a vin check(make sure its not stolen), and give you a paper that you bring to an insurance company the tag office will give you some more papers you gotta fill out and bring there too.. .. its 100 for the insurance company to do it, and 25 for the title... i just did it to a van, that i washed the title in the washing machine