Another question to ask is what device are you using for your heart rate monitor?
Chest straps are the gold standard, some wrist straps are reliable, and I’d be dubious of max hr readings from a wrist watch. They tend to get caught reading your cadence as a heartbeat, and it can cause some weird fluctuations.
Then, as described above, your next step is to understand your max heart rate. The typical formula is 220-age, but I’ve found that it can definitely miss the mark. I’m 40 and had my heart rate hit 195 on a 5k race this past year as I was booking it towards the finish line.
Finally, it helps to know if there are any underlying cardio respiratory issues that would impact the strength of your heart.
I would say, in my situation, there’s little to no risk of hitting the 180’s when my max is in the 190’s, I can go that fast without causing joint pain or injury, and I have no underlying issues that would exacerbate my risk. Everyone’s different, but if you check those boxes too, then I’d say you should be fine.