Yes, it’s a ridiculous situation. The math is a little complex between the different factors. Our electricity is extremely cheap. In towns the electric grid is very reliable, particularly in the winter due to the cold, little chance of freezing rain, and with frozen ground no chance of toppling trees. Transformers tend to burn in hot weather. The extra insurance charged would offset 2 or 3 months of heating (at my costs) Since my house is relatively small, it made more money sense to focus on air barrier and insulation, lower annual expenses. Our major heating season is from mid November to end of March, the rest is negligible.
If my house was bigger, or with the average poor insulation it would make better sense to heat with wood, but only if not buying the wood, and not counting my labour and time. So for most people if buying poplar and hardwood at 150 to $250 a cord delivered, handle and store, and then tend a stove all winter burning 4 - 5 cords, really it costs them more. Good insurance, and good exercise, greater comfort, but greater cost.
The insurance industry is a profit free for all, and looking to pad their accounts by any means in light of recent catastrophic losses, such as the 9.9 billion USD fire in Fort Mcmurray. They don’t like or understand remote boiler stoves, they charge the same as if the fire was in the house, and the city outlaws them.
Canadian jurisdictions tend to have very restrictive “Nanny State” regulation, very restrictive building codes, very troublesome inspection processes. Last year in my town it became law that no fire greater than 20" can be made, the "spark arresting " enclosure must be previously inspected by the office of the fire commissioner, $200 fine for first violation. But their law permits such a fire to be within 4m of the side of a house… They are treating people like children, who might burn their fingers without expert supervision. And after decades of effort, the public is de-skilled enough to finally bow their heads.
So I burn wood without insurance in my cabin, and for sale to others, which does make money.
You are lucky in Sweden, here there is no official concept of wood as green power, I doubt we will see any official or cultural recognition until we hit another energy crisis. And by then it will be practically meaningless, as only one in a thousand will know how to tend a fire.