Keloids are a subset of scars that are often confused and used interchangeably with other scar types such as hypertrophic scars, widened/atrophic scars and so on. This is so even amongst medical doctors. However, they are vastly different in terms of aetiology, histology, treatment and evolution.
Keloids can arise from any form of trauma to the skin, even minor or blunt trauma. There is a genetic/racial predisposition to this and should you have had keloids from previous injuries, then you are at higher risk. As mentioned, lasers, whether ablative or non-ablative can possibly result in keloids; only the risk level differs.
What is more important is that the physician performing the laser is fully aware of your medical history prior to commencement. For e.g., patients who have been on isotretinoin therapy (Accutane etc) should not have any form of ablative laser treatment, whether fractionated or otherwise, for at least 6 months after cessation of isotretinoin therapy. These patients are at a high risk of scarring and keloid formation.