I had similar thoughts and worries. I have a 150 tall set up with a 40b sump. I designed my sump with these worries in mind, and was lucky I got it right the first try (I expected I would need to tweek some things).
My sump has three sections, making three levels. The tallest is where the water first enters and goes in the sock, higher because it stays quiet this way. This flows over the divider into the middle section which has two parts. The water goes into the first section where I have a moving media bed of mini bio balls held in that section by course, large pore gutter foam at the bottom. Water then travels through the lower middle section where I keep ceramic stuff. It finally goes over a divider and down into the last section where I keep the heater and pump to return it to the tank.
If I turn off the power, the water in the tank will drop into the sump until it drains to the top of my pipe in the overflow box. The entire tank drops about three inches, and the sump fills almost to the top at that point. The sock is still above the water level keeping the waste out of the sump. It literally can't flood my house.
If the pipe from the tank to the sump got clogged somehow, the pump is located in the last section of the sump which also has less water than the other sections. With no water coming into the sump, the only water being pumped back into the tank is that last chamber with the pump itself. The pump can push all the water in that section up to the tank and the tank has about 3/4" before it would overflow from the top when the pump can't push water up anymore. It can't flood my house here either.
Unless someone came in and added water to the system when it was clogged or turned off, it wouldn't be able to flood anything. Before I did this I really worried about it, but I've tested it so many times between turning off the power to rearrange, change the sock, and just losing power in a storm, I no longer worry about it.
I use two 1" intake pipes to my overflow box, then I took the 1 1/2" pipe down to the sump and narrowed it to 1 1/4" with and adaptor. The change in the flow keeps it quieter.