I always had the understanding that nades and flames were supposed to do more damage to units in cover. That's also how it worked in COH1.
Units in houses are also in cover and grenades have larger effect there (though not sure it goes for Molotov).
The logic is that a fragmentation is being concentrated in a (full or partially) closed space. As with all explosions, a closed space will increase pressure and cause ricochetting.
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#Steam AliasWL%Streak
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