This research aims to explore how functionally active structures affect the physical, mechanical, thermal, and fire-resistant properties of elastomeric compositions using ethylene–propylene–diene rubber as a base. The inclusion of aluminosilicate microspheres, microfibers, and a phosphorus–boron–nitrogen–organic modifier in these structures creates a synergistic effect, enhancing the material’s heat-insulating properties by strengthening coke and carbonization processes. This results in a 12–19% increase in heating time for unheated sample surfaces and a 6–17% increase in residual coke compared to existing analogs. Microspheres help counteract the negative impact of microfibers on composition density and thermal conductivity, while the phosphorus–boron–containing modifier allows for controlling the formation of the coke layer.