Hello!
In my opinion it is essential to choose the cells someone uses, carefully.
I do not use 0 V cells, damaged, or low voltage cells.
Also drawing high current from used cells I dont.
All my cells have a fuse and the packs will shut down if temperature goes to high.
It is unlikly to have a fire then. But as precaution the packs are stored in a fireproof insulated cabinet.
I cannot store my packs outside the house, but I feel confident no fire will happen.
Sometimes you find people who do not have any idea what they are doing. Knowledge is power and avoids accidents.
Brgds
Like you - I don't have a reasonable option to have my battery bank out from under the house - and there are 8000 cells and counting. I do think about fire - and the battery bank is in a 'fire resistant' alcove. Its cinder blocks on the wall, concrete at the floor, and corrugated metal on top.. but... it's open on the side pointing out to a metal desk / computer area. If a fireworks type fire started - it would surely catch the house on fire.
On the other hand the battery bank...
- operates between 4.0v hi and 3.5v low - modest
- charges / discharges in the 100-300ma range - modest
- lives in an ambient temp of 50F/10C low and 75F/24C hi - modest
- never gets warm, no measurable heat in the cells - good
- is BMS'ed by Batrium w/shunt-trip - excellent
- is not showing any balance issues or loss of capacity issues - good.
For now, after 2 years of daily operation, I'm confident the cells will remain 'safe' as long as the continue to be controlled / used in a modest way. However....
Down the road, after 6,000? cycles and the batteries are down to 70% or 60% original capacity... I have no idea what the risks might be. Maybe the cells will start diverging, some turn in to heaters,... but hopefully Batrium monitoring will show pack degredation and aggressive maintenance will mitigate this. Time will tell