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Well, I would point out that one of my rules for home safety is to not put the gun in the oven.

But you do have a point about the hazards of a home fire and the possible danger there. I have never thought about it before. I would say this is a judgement call on where the greater hazard is, a fire or a home invasion? I know that both are extremely rare events for the average person, so I cannot rely on the statistics for it. I, personally, am more worried about the home invasion than the fire, so i would leave them loaded. But it really is, in my opinion, a personal judgement call.