"I woke up to the fire," Mairead Philpott is telling a jury at Nottingham Crown Court.
She said she was naked at the time and first appreciated there was a fire in the house when her husband Mick opened the door and flames came through it.
She said she was trying to get dressed as she called 999.
More top news
More deprived areas of England have received the biggest cuts over the last five years, according to an influential think-tank.
A suspected burglar and domestic abuser who goaded police on their own Facebook page has been taunted back after handing himself in.
Motorists are to be allowed 10 minutes' grace after a parking ticket runs out before they can receive a fine, under new rules.