At least in modern vehicles, I don’t think there’s much of a risk of a spark traveling through the car’s fuel system from the engine back to the tank. But a running car does produce a lot of heat and potentially sparks from various sources that could potentially ignite fuel vapors that are in the air from people operating the pumps incorrectly.
Overall it’s probably a very low risk, but it’s also pretty darn easy to shut your car off for a few minutes while you refuel, so why not turn the engine off and lower that risk even more?
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