Abstract
Phase change materials (PCMs) are widely employed in thermal energy storage systems due to their ability to store and release large amounts of latent heat during phase transitions. However, their intrinsic flammability poses significant safety challenges, particularly in high-temperature applications such as urban air mobility (UAM), aerospace, and battery systems. This review critically evaluates the fire-retardant mechanisms of both organic and inorganic PCMs, including paraffin, fatty acids, esters, hydrated salts, metal alloys, and ceramic oxides. Emphasis is placed on key flame-retardant strategies such as char-forming additives, microencapsulation, endothermic decomposition, gas-phase inhibition, and synergistic hybrid systems. A comparative analysis of thermal stability, flammability, and mechanical performance is presented for each PCM category. By identifying material-specific strengths and limitations, this review guides the development of advanced flame-retardant PCM composites tailored for use in safety-critical environments such as aerospace structures, building insulation, battery thermal management, and high-risk industrial systems.