I had a 90 gallon sumpless system in a poorly built house, several feet in from wall and it DID warp the floor. I'm not saying that is in any way similar to your situation, but the warp was definitly observable. The risk isn't the tank crashing through the floor, but a gradual change in the floor level. Worst case, this could lead to stressing the silicone seams.
In any event - I think your probably fine too.
I no longer live in that "poorly built" house, but when I moved my 90 gallon tank I decided to put it in the basement for several reasons.
1. Heat - The top floor is often significantly warmer than the basement.
2. Construction - On a bad day, the area around the tank looks like a construction site. Keeping this in the basement helps to appease the wife.
3. Plumbing - It is easier to find taps and drains in the basement.
4. Space - I use the furnace room for mixing water and such. This space would not be available up stairs.
5. Electircal - If you need to run a new breaker, you can do it yourself in the basement. Upstairs and you will need an electrician (if it's possible).
In summary, it's more a question of logistics than the structural integrity of your house. However, don't completely discount the structural concerns. Over many years, this amount of weight can cause problems if the proper precautions are not taken.
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