From an altitude of 110 km, during the last 10 minutes before an object reaches the ground, the atmosphere is dense enough that the object heats up owing to air resistance, and it decelerates, leading in the majority of cases to its complete destruction.
In the case of a large or a very compact and dense spacecraft, and especially when a large amount of high-melting-point material such as stainless steel or titanium is involved, fragments of the object may reach the ground.
As these are rare events, and as about 75% of Earth’s surface is covered by water and large portions of the land mass are uninhabited, the risk to any single individual is several orders of magnitude smaller than commonly accepted risks faced in daily life. Being struck by lightning, for example, is 60 000 times more likely.