If an above-ground tank leaks, the heavier-than-air propane settles to the ground and spreads. If a below-ground tank leaks, it can eventually migrate through the ground, if the ground is porous enough, but it won't be combustible unless it somehow is exposed to outside air. Propane needs approximately 90% to 98% air in the mixture to ignite.
The only way it could be exposed to the air is to migrate to a lower, exposed area. Once in the air, if it is open, it usually dissipates to a non-combustible level within 10 feet.
The only problem I have ever heard from an underground tank occurred here in Florida, and was diagnosed by a close friend of mine, who is a state LP Gas inspector and safety expert. An underground tank leaked a substantial amount of gas, which migrated through Florida's sandy soil, along an underground pipe line, through a crack in a concrete foundation, to a basement room lower than the bottom of the tank. Eventually, because the room was closed, it built up to a combustible level of between 2% and 10% gas. Then, someone flipped a light switch or created some other form of combustion, and...Floomph!
The only time propane is really dangerous is when it's allowed to concentrate to a combustible level in a closed area. Out in the open, it can be scary, but manageable. It does not "blow up"; it just burns real fast (like instantly), which can cause air pressure damage in a closed area.
Firemen are trained to look for the fill dome of an underground tank; it's doubtful they would be on top of one without knowing. It would be nearly impossible for a house fire to affect an underground tank, even if it was leaking.
I used to hold the highest class LP Gas license for the state of Florida, until I retired a couple of years ago and let it expire.