The problem with EVs catching on fire is not a problem the electrical code can solve. I can only imagine the conflagration that will one day occur in a parking garage with hundreds of EVs that catch on fire because one of them does and it spreads. At present there is nothing that will stop the spread of the fire and for the most part automatic water sprinklers make it worse. The fire dept cannot stop it either so a single car fire could easily take down any building. The only real answer is not allowing EVs in a parking garage. Even if the chance of any individual EV catching on fire is pretty small, the way large numbers works means it will happen some day and it will take down a building.
With IC engines, a fire in one car can be readily extinguished and do minimal damage to the rest of the vehicles or the structure.
A particular problem with the typical EV battery fire (fully involved) is twofold:
1. The energy stored in the battery is high and, at least initially, can be discharged faster than a fuel fed fire. And you have both the stored energy and the one-time energy of combustion of the active materials.
2. The active materials of the battery cells are under a floor pan and still at least partially enclosed within the deliberately strong battery housing. And further isolated by the cell casings themselves.
Both of these combine to produce a fire which is hard to extinguish (when you cannot allow it to just burn out). The main initial effect of the applied water is to cool the materials, but this is made more difficult by the protection around them. I have seen
estimates that a Tesla battery might require 40,000 gallons of water if fully involved. By comparison, the typical fire engine has 500-1000 gallons on board, a dedicated water tender maxes out at 4,000 gallons and a typical ICE fire can be extinguished with 200 gallons of water. Less if foam is used. Foam is of no use for an EV battery fire.
On the other hand, as the technology evolves,
specialized equipment is being developed for EV fires which is also able to navigate the low ceiling of a parking structure. The Coldcut Cobra (TM) system uses a high pressure (4,000+ psi) water jet containing abrasive material (essentially a water-cutter) to penetrate the car floor pan and the battery itself, extinguishing the fire with as little as 64 gallons of water.
Once this type of equipment is deployed in a city, either in the form of a specialized engine or a trailer mounted system, extinguishing an EV fire will become routine.
In the meantime, I can see insurers requiring locating EV chargers with space or barrier separation from other vehicles and a nearby high volume fire hose connection to mitigate the risks.