I had the panoramic roof glass on my 2018 ST-Line crack just like that at about 10,000 miles.
Luckily it was covered by the windscreen policy included with my car insurance, so just had just a nominal sum to pay (£50).
The company that did the replacement told me that Ford no longer supply this roof glass laminated (it just isn't strong enough for this use and they all crack like that eventually) ; they provide only toughened glass (aka tempered) which is about 10 times more resistant to breaking.
Only problem is if it does break all the tiny little fragments come crashing down on your head and get everywhere inside the cabin, including inside the roof mechanism.
The work was completed in less than an hour. I think the guy who fitted mine said the replacement glass cost about £1,000.