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Yes, dead palm tree fronds are a fire hazard. The leaves become highly combustible because the dead fronds don’t fall off the tree themselves, especially in hot, sunny climates. In fact, many wildfires start from dead palm fronds. Palm trees can also easily catch fire from lighting, electrical power lines, and fireworks. So, cutting off dead palm fronds before they become a fire hazard is important.

A chimney liner isn’t required for an outdoor fireplace; you don’t technically need one if the masonry chimney uses the proper dimensions and is built to code. However, a chimney liner does serve as a protective coating for the flue. Adding a liner could improve performance, safety, and durability. In short, while not necessary, it wouldn’t hurt.

Generally, an oil furnace is considered safer than a gas furnace for several reasons. While both types of furnaces can produce carbon monoxide, a leak in an oil furnace is easier to detect due to the smell. Oil furnaces also don't connect to a gas pipeline, which reduces the chance of a fuel leak. Most importantly, heating oil is not combustible, whereas natural gas is highly flammable. This means there is a much lower risk of combustion or explosion with an oil furnace. However, an oil furnace can still pose a fire hazard if it tips over.

A fireplace hearth is necessary in most areas per building codes, especially for gas and wood-burning fireplaces. Electric fireplaces may not require a hearth, so check local building codes or ask a pro for guidance if you’re leaning toward electric. A fireplace hearth can decrease the risk of flying embers creating a fire and burning your home down. That’s why fireproof material, like tile, is used for the hearth.