I would still be afraid of being around ammo in a house fire. If you were a fireman, you would wonder if there was any black powder inside. I believe the primers can still come out of the bullets. I threw some blank .22 shells from a blank pistol in a trash fire years ago. One of them exploded and came out of the fire and hit me in my shoulder and cut me. It was strong enough to put out my eye. I understand primers do the same thing. All kinds of weird things happen in a fire. And if you know someone has ammo, you can figure there are loaded guns, too.
The firefighting gear provides plenty of protection. There are many ways to get killed fighting a fire and ammo cooking off is way down on the list.
