Pyrophobia (3.5e Flaw)
From D&D Wiki
Summary: You have an unnatural fear of fire.
Detriment: Whenever a character with pyrophobia comes within five feet of fire, they must take a Will save (DC 14+3 for every additional fire within five feet of the character). If they succeed, they take a -1 on their rolls while in the area of the fire. If they fail, they must leave, as soon as possible. If they cannot flee, they will attempt to extinguish the fire. If they cannot do this, they will freeze, unable to move unless they make another Will save.
Benefit: 1 additional feat. Characters with pyrophobia are acclimated to cold, since they do not use fire for warmth, and thus take no detriments from natural colds (Rain, Snow, Wind). They are still affected by magical cold.