I guess it's the mom in me...I hope everyone can understand, I know there are risks with anything, but after looking into various chimney fire posts on this forum and other sites on the subject I am starting to get really concerned that adding a wood burner is more of a risk than we want. My husband is also somewhat hesitant.
I have learned here how burning hardwood, well-seasoned wood, at high temps without damping down too much and having your chimney installed professionally and swept every year by a sweep is all good stuff to help with creosote buildup but even so I am coming across an alarming number of chimney fires specifically even among knowledgeable folks. Of course we would make sure to have proper clearances etc. but our asphalt roof and inability to access what would be the chimney top easily are real concerns to me.
I guess I'm asking, has anyone had a chimney fire even while being very careful? I know sometimes they are loud and obvious and sometimes they are quiet and hard to detect. Are fireplaces less likely to have one than stoves due to the less intense heat (though I understand they would probably build up more creosote)? During a chimney fire it seems the sparks coming out of the pipe (those things are like a rocket booster!) could ignite the roof...has this ever happened to anyone?
Finally, considering installation, is there anything that can help avoid a fire? Does installing the pipe into the top or the back of the stove impact anything? Should the pipe be mostly indoors or is it better to have it mostly outdoors (like running it out the back of the stove through a wall and up the side of the house?).
Thanks for any advice, positive or negative...we just really want to know what we'd be getting into.
I have learned here how burning hardwood, well-seasoned wood, at high temps without damping down too much and having your chimney installed professionally and swept every year by a sweep is all good stuff to help with creosote buildup but even so I am coming across an alarming number of chimney fires specifically even among knowledgeable folks. Of course we would make sure to have proper clearances etc. but our asphalt roof and inability to access what would be the chimney top easily are real concerns to me.
I guess I'm asking, has anyone had a chimney fire even while being very careful? I know sometimes they are loud and obvious and sometimes they are quiet and hard to detect. Are fireplaces less likely to have one than stoves due to the less intense heat (though I understand they would probably build up more creosote)? During a chimney fire it seems the sparks coming out of the pipe (those things are like a rocket booster!) could ignite the roof...has this ever happened to anyone?
Finally, considering installation, is there anything that can help avoid a fire? Does installing the pipe into the top or the back of the stove impact anything? Should the pipe be mostly indoors or is it better to have it mostly outdoors (like running it out the back of the stove through a wall and up the side of the house?).
Thanks for any advice, positive or negative...we just really want to know what we'd be getting into.

Kinda help identify the "quiet burning" chimney fires or wake you up if you have one while you're sleeping?
I burned wet Red Oak, only split and stacked a few months. I had stove pipe to the top of the masonry chimney, not chimney liner, and it would rust through from condensation if I waited too long to change it out (like three years.) Needless to say, it was un-insulated. I would only brush my chimney when draft slowed down in the stove to the point where smoke rolled out when I opened the door, usually I brushed once or twice a year. Elbows would be full of creosote to the point of being half blocked off. I ended up having a few chimney fires...they started after re-loads, when I had the stove burning hot to get it up to temp. Usually could cut the air and put 'em out in a minute or so, and somehow I never burned down the house. 