People use this set-up all the time for lizards, and those are high wattage bulbs to give a 100+F basking spot several inches below the bulb. They ARE a fire hazard, esp. with little kids, and cats. I've never heard of one burning down a house, but the risk would drive me nuts. That said, I do use some overhead lamps, they help with ambients in this adobe house that is too cool, even in the summer. I chose bulbs that are very low wattage, and so far, I've only had them on small 10g tanks, with most of the screen top insulated.
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