A solid-oxide fuel cell system having “hot” components, e.g., the fuel cell stacks, the fuel reformer, tail gas combuster, heat exchangers, and fuel/air manifold, contained in a “hot zone” within a thermal enclosure intended specifically for minimizing heat transfer to its exterior and having no significant structural or protective function for its contents. A two-part clamshell arrangement allows all piping and leads which must pass through the enclosure to do so at the join line between the parts, thus eliminating need for ports and fittings in the thermal enclosure. A separate and larger structural enclosure surrounds the thermal enclosure, defining a “cool zone” outside the thermal enclosure for incorporation of “cool” components, e.g., the air supply system and the electronic control system, and providing structural protection for all components of the fuel cell system.