Welcome to RAG!
More to the point, how large a tank are you thinking about?
If it's 20 gal or less, I wouldn't give the matter a second thought. If it's a lot larger, yes, then you do have to check.
Since your place was built in the 1890's, it's likely overbuilt, but with people doing remodeling, it's possible the supporting structure was incorrectly cut away in places.
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