A normally operating heat pad or heat tape should not start a fire. However, malfunctions in heat pads can, and have, occurred resulting in fires. A quick internet search will bring up several fires that were caused by malfunctions in reptile heat pads. Unfortunately, the articles usually don't go into details and name the maker of the heat pads. I did read one article that stated a ZooMed pad malfunctioned, melting through the pad and charring the wood desk under the tank.
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