I don’t know if it also happens to you, but I always have this fear (not only the equipment but also the whole freaking house).
I have two Synology NAS devices and one “custom” server (just a PSU, a Ryzen CPU, two RAM sticks and a SSD).
Everything is grounded, on a compliant safety electrical installation, but I don’t know… I’m maybe paranoiac by nature.
My biggest doubt is about the PSU. It is a certified PSU (from Be Quiet! IIRC), that has more than enough power (500W).
Not even an ADSL modem caught fire and that was hit by lightning so good that it partially melted. The power adapter was varm afterwards but not critically so
I thought about a similar problem when I bought a 4080 for my gaming rig. I was positive I got the power connector pushed all the way in. And I do leave my pc on when I’m not at home. I only shut down if I know I won’t be able to use it for a day or two. But your fears are legitimate.
Back when my homelab was a simple Pentium 1, I somehow had a PC Speaker melt down while I was out of the house.
Since then, it’s been a constant worry that something will catch fire while I’m not at home.
One of the reasons why I run monitoring, so I can check on the status of things.
The only stuff I have ever had catch fire in over 20 years if doing this were old crt’s and tv’s. So I just never used to leave those on when leaving the house. I have yet to experience an lcd failure. I have had power supply failures including Apple laptops but they just let the magic smoke out.
I’m sure everything I am currently running is safe, but I have that fear also, ever since one of the PSUs in one of my R320’s died and smoke started poring out the back (blown cap I think) - hasn’t happened since, but it’s one of the things I worry about
Whilst I am with the “yeah, that’s irrational” crowd, there are these things that might help allay some fears. https://www.controlfiresystems.com/products/fire-suppression/ceasefire-pre-engineered/
Install some smart fire/smoke detectors so they can notify you if something happens (it likely won’t)