Flamethrower Units, Casualties and Transports

[MechaMaestro]

I have a question about how this game handles flamethrower units that take damage, based off of something that occurred during my playthrough of an Iwo Jima scenario.

I'm assuming that open topped transports like the Amtracs and LVT's the marines use allow the passengers to be shot at and take casualties. At the same time, I'm also assuming that should a unit with a flamethower take a casualty, the game determines if that damage was to the fuel tank of the flamethrower and if they straight up just explode and incinerate a few other team members.

Would I be correct in my assumption that if a sniper were to fire at an opened topped landing craft or amphibious vehicle, and that transport were to contain a flamethrower, and that flamethrower unit were to take the hit, that the subsequent explosion would wind up blowing up the entire vehicle, which would kill everyone/sink the vehicle in deep water?

Because if not, then a single Japanese sniper blew up like four amtracks full of marines and that is blisteringly unfair.