Thanks for letting us know about the fire. That sounds terrifying. Glad you and the house both survived.
Lots of people get excited about putting in a new stove over the existing wood floor (or any floor - carpet and synthetic linoleum are even scarier), and most of us don't have any first-hand
experience with the hazards.
Fire is just a very destructive process. A fire hot
enough to burn clean is intense. Metal rusts and warps, masonry cracks unless very carefully designed to tolerate the inevitable expansion and contraction. Devices that might be perfectly safe over a primitive earthen floor, or even wool rugs, can be horribly dangerous over wood or waxy plastic flooring.
The standard for US building codes is for masonry heaters, fireplaces, and masonry chimneys to be supported on non-combustible materials from the ground up. The exceptions are UL-listed appliances manufactured and tested for other installation methods, with clearances and instructions specified by the manufacturer prior to the third-party lab test.
We just get so used to woodstoves, kitchen appliances, and other portable devices with all these safeguards built in, that we start to think about installing right over the existing floor as the norm rather than the exception. Few of us see the five-figure research budgets that go into bringing these appliances to market in the US. I don't know how traditional cultures do it, but I suspect there have been many hard lessons along the way. We had a fire in our neighborhood this year that burned over 1000 acres after someone went inside while barbecueing, and coals dropped out and lit off some dry grass, and the fire spread in moments to a propane tank nearby. We had crews from at least three states helping fight that fire, and some folks were evacuated from their homes for more than a week, but from what I heard, luckily, nobody got burned to death.
Glad everyone in your case is OK, and good luck with the new project on a safer footing.
Yours,
Erica W