As rtr12 says, a sensor that itself must be "warmed" to the target temperature could not respond in time. So, as has been suggested, a sensor based on radiated emissions makes sense. For 99 cents (free shipping) you can get a PIR sensor module as used for motion-detectors in automatic faucets, room occupancy detectors, paper towel dispensers, etc.. You apply 5V DC to the module and a single output signal goes on/off when motion is detected in the field of view.
Motion means thermal movement in the field-of-view of the funny looking lens designed to effectively amplify small thermal variations that move such as a human body on a hot summer day with ambient temperatures also in the 90's. It's a remarkably clever concept. Adapting this concept to the extremely short target distance from a car's under-belly to the track would be an interesting exercise. But think of how the nominal target distance for these passive IR sensors started with many meters for room burglar alarms but now they have them in automatic towel dispensers with target distances in the inches.
But Rich makes an interesting observation that the heat is coming from current flowing thru a resistance. That makes me wonder if the problem can be re-stated as how to detect an abnormal voltage drop between two points. So, for example, if you have a 2-roller car, why not measure the voltage difference between the two pickups. This might be easier to do than measuring temperatures. Yes, there is a lot of noise from dirty wheels/rollers/track/etc., and going over turnouts, cross-overs, etc. must be considered, but sometimes the break-through comes from asking the right question.