This fireproofing question has come up many times before here. As a retired career firefighter I totally understand the concern.
They DO make fire rated attic stairs. They cost quite a bit more, and honestly, doing about 400 inspections a year in The Villages, I have yet to see one.
The garage ceiling is typically 5/8 inch firecode drywall.....however I often find that the garage entryway, (hatch) is only 1/2 inch drywall. Also, with plastic receptacles and outlet covers in the ceiling, etc, I would consider the ceiling's fire resistance already compromised.
Frank
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Florida licensed Home Inspector #HI688. (352) 250-7818
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