This Sultana river boat disaster in 1865 was a blind spot for me. This riverboat was severely overloaded and had decrepit boilers. Unfortunately they blew in the middle of the Mississippi with over 2000 union soldiers returning north after the war. Estimates of deaths range up to 1500. If you have Amazon Prime, it is a thought provoking story and worth watching.
To get to the train point, the Hartford Steam Boiler inspection / insurance company was formed the following year. The Wikipedia article on the company notes that boiler explosions at the time occurred on average one every four days. These appear to be stationary boilers although the Sultana was certainly not stationary. Does anyone know if locomotives came under this inspection process immediately and what the explosion rate was at the time?