Originally Posted by
HSVTSO Dean
Well, the aerosols in question have to be flammable, too. It's a matter of hazardous material.
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As far as why they're okay, and those not sprayed onto the body aren't? They're not "okay." They'd still be flammable, they'd still be potentially dangerous. The difference comes, however, because TSA
does want people to continue flying

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So, yeah. Personal items are exempt from the flammability requirements of checked baggage. :P
Just thought I would add: you are correct. On the back of the 6oz spray sunscreen bottles:
FLAMMABLE: do not use near heat, flame or while smoking. Avoid long terms storage above 104 degrees F (40 deg. C).