I can ditto what M2Carbine said about fires. Our home burned in 1997. In the attached garage I had a pallet with 15 cases of shot shells, a cabinet with approximately 10,000 rounds of center fire ammo and another 4000 of rim fire ammo. I also had a wooden cabinet (not to fire code specs, but better than most) with 10-15 pounds of smokeless powder. A separate cabinet held 2-3000 primers. All of these items burned and the fire department had no idea they were there (I was at work). There were numerous explosions in the rear of the house and the fire department knew I was kept large stores of ammo and powder. They assumed these explosions were my ammunition and stayed clear of the rear of the house. My ammunition was less than 15 feet from where the fire department chose to place their main 2.5" containment line. The explosions were canned goods and cleaning supplies stored in the pantry. Basically, you’re reloading and shooting supplies are less dangerous than your wife's cooking and cleaning supplies.
M2Carbine did bring up one of my pet peeves. We all like to store items in military surplus ammo cans. When you store ammunition or powder in them, you have created a bomb. Modern smokeless powder requires pressure to develop explosive force. When you confine either to a metal ammo can, you create a pressurized atmosphere and the ability for the material to explode. Before anyone flames me, yes the military does store ammunition in these cans. Military ammunition cans were designed to safely transport munitions through extremely rough handling (battered cargo holds and helicopter kick out resupplies). The military is less worried about an ammunition explosion (all ammo explodes when the enemy shells it) than arriving at a fire fight with unusable ammo.
Now another caution for you guys, buy a good fire rated gun safe. I lost 3 guns in our fire. All 3 (HD pistol, .22 rifle & 12 ga shotgun for varmint control) were in the house and were covered by my insurance. The remained of my guns were in a fire rated safe and suffered no damage. That safe was the best $550 I ever spent on gun related equipment.