Any situation where humidity is allowed to persist is potentially dangerous. Lack of bright light and stagnant air ramp up the risk.
Exposure to household dust, which is full of organic matter such as tiny flakes of skin, is the cherry on top.
Bedrooms or living rooms without bright light - where people and or pets breathe out moisture - without fresh air exchange are prime targets.
My childhood wakeup to fungus was my father finding that his collection of photo slides was infected by fungus, after he'd stored the boxes in the bedroom wardrobe. Darkness + overnight breathing + stagnant air. The organic film emulsion acted like a petri dish.
With that lesson, I store lenses not in frequent use in a bright room in a glass cabinet along with containers of DampRid (containing water-absorbing calcium chloride powder) that get replenished regularly. In one past suspect situation I allocated a small room as my photo room for negatives and lenses and ran a dehumidifier in it continuously.
Rod