Wildfire monitoring demands autonomous systems capable of reasoning under extreme visual degradation, rapidly evolving physical dynamics, and scarce real-world training data. Existing UAV navigation approaches rely on simplified simulators and supervised perception pipelines, and lack embodied agents interacting with physically realistic fire environments. We introduce FIRE-VLM, the first end-to-end vision-language model (VLM) guided reinforcement learning (RL) framework trained entirely within a high-fidelity, physics-grounded wildfire digital twin. Built from USGS Digital Elevation Model (DEM) terrain, LANDFIRE fuel inventories, and semi-physical fire-spread solvers, this twin captures terrain-induced runs, wind-driven acceleration, smoke plume occlusion, and dynamic fuel consumption. Within this environment, a PPO agent with dual-view UAV sensing is guided by a CLIP-style VLM. Wildfire-specific semantic alignment scores, derived from a single prompt describing active fire and smoke plumes, are integrated as potential-based reward shaping signals. Our contributions are: (1) a GIS-to-simulation pipeline for constructing wildfire digital twins; (2) a VLM-guided RL agent for UAV firefront tracking; and (3) a wildfire-aware reward design that combines physical terms with VLM semantics. Across five digital-twin evaluation tasks, our VLM-guided policy reduces time-to-detection by up to 6 times, increases time-in-FOV, and is, to our knowledge, the first RL-based UAV wildfire monitoring system demonstrated in kilometer-scale, physics-grounded digital-twin fires.