Gasoline is not as flammable as you seem to believe!! It's not the liquid but the vapor that ignites, and without an ignition source the vapor will not ignite! Even perfectly mixed with air in an engine's super hot combustion chamber the gasoline vapor normally does not ignite until the spark plug fires!!
With the engine off there is no open flame or spark to ignite the gasoline! A hot PT muffler is not hot enough to ignite it.
Although strange and very unusual things do happen, your scenario is right up there with double lightening strikes!!
With the hood lowered even if the full gas tank were to ignite, the resulting fire at the tank opening would only burn about 1 1/2" in diameter and could be easily extinguished! Just putting the cap on, or even putting your gloved hand tightly over the opening would extinguish the flame!
Raising the hood does NOT eliminate the danger! With the hood raised, there is a large chamber filled with vapor and air even after you have 'filled' the tank. If ignition were to occur, the tank would not just burn, it would explode due to the large confining combustion chamber!!
If you are curious to see what a lowered hood gas tank fire would be like:
Fill an empty frozen orange juice can 7/8 full of gasoline.
Place on a firm surface and ignite.
You will produce a nice little 1 1/2" by 2" high fire.
Place any flat object on top of the can, without spilling it, and the fire will immediately go out!
Do NOT duplicate your raised hood gas tank fire by:
Pouring a cup of gasoline into an empty gallon milk jug.
Shake well.
Place a lighted match at the opening.
The resulting explosion and fire will most likely send you to the hospital!!
Use a large funnel to refuel, like most people have been doing since the invention of gasoline!!!!
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