The article also mentions pieces of the same Crew Dragon mission landing on the roof of a house in North Carolina. Pieces of a non Crew Dragon mission going through a roof, and floor of a house in Florida.
Oh you’re right. I updated my comment to reflect that so as to not spread misinformation. That said the point stands. ISS junk hitting you will cause just as much damage as SpaceX junk.
So no, the risk isn’t negligible.