There are specific NEC rules for running cables in duct.
800.154 says:
Types CMP, CMR, CMG, CM, and CMX and communications wire installed in compliance with 300.22 shall be permitted.
300.22.B says:
Ducts or Plenums Used for Environmental Air
Only wiring methods consisting of Type MI cable, Type MC cable
employing a smooth or corrugated impervious metal sheath
without an overall nonmetallic covering, electrical metallic
tubing, flexible metallic tubing, intermediate metal conduit,
or rigid metal conduit without an overall nonmetallic cov-
ering shall be installed in ducts or plenums specifically
fabricated to transport environmental air. Flexible metal con-
duit shall be permitted, in lengths not to exceed 1.2 m
(4 ft), to connect physically adjustable equipment and de
devices permitted to be in these ducts and plenum chambers.
The connectors used with flexible metal conduit shall effectively
close any openings in the connection. Equipment and
devices shall be permitted within such ducts or plenum
chambers only if necessary for their direct action upon, or
sensing of, the contained air. Where equipment or devices
are installed and illumination is necessary to facilitate maintenance
and repair, enclosed gasketed-type luminaires (fixtures)
shall be permitted.
Got all that? If you want to make "code", you'd have to run sealed metal conduit in the duct and run the CMP through that.
BSR - "Not the cables, but the toxic fumes emitted from the melting insulation"
That's the basis for the extreme rules for running cable in duct.
Then again ... My ducts are flex and use non-toxic when burned materials. And nothing else in my house when burned emits toxic fumes.
My air handler has a whole bunch wires in the air stream for fan power and various other controls. I guess some rules don't apply.
RHughes:
"The cold air return is formed by the joists between the floor and ceiling with no actual metal duct work and is actually open at the end to the basement itself (as well as to the HVAC air return). Is plenum rated cable really necessary here? Would non-plenum cable likely be a code violation, dangerous or cause problems with insurance if there were a fire at some point?"
I'm trying to figure out what you're describing. Is it a hole in the floor? Is the air return in the wall in the wall and "joists" are really "studs"? How big is it?Where's the HVAC air return?
I doubt if your wiring would cause a fire, whether its in a duct or somewhere else, but insurance companies are always looking for a reason to deny a claim. If a contractor does some work and your house burns down because of it, they'll pay you and go after the contractor. There's been "talk" that they can't deny a claim if the homeowner does the work.
Personally, I wouldn't run cables through the ducts. Aside from the fact that its a touchy issue, the cables could interfere with air flow. Find or make another route.
Then again, I've put temp sensors in my registers and returns using short stubs, 2inches to 8inches, of plenum cable.