Understandable. For reasons that seemed good at the time, I kept my black powder in the house instead of in the shop along with the smokeless. When the house burned, none of it ignited; I have a scorched can of FFFg (and a scorched bottle of whisky) on the mantel of the new house. True, the firefighters threw the most of it, all but that one can, out the window as they went through the place. My friends recovered it while I was in the hospital. (Not burned, I had to bail out the upstairs window, landing with injury.)
I tried to salvage ammo that had been exposed to smoke, steam, and water, but not flame. The USGI .45 was fine, as was much of the .22 LR. Some of the rest was, some wasn't. The pretty red stuff around the bullet and the primer on S&B is NOT effective waterproofing, I pulled most of a case down to salvage the brass and bullets. Reloads with lead bullets had fewer misfires than jacketed.
The worst was some .45 ACP reloads I had made up with every reasonably suitable powder I could round up. I had intended to shoot at night to see what powder gave the least and most muzzle flash. But I could no longer line up an after dark range, so I decided to just plink them away. They LOOKED good, although the baggies were heat damaged. I broke two extractors before I realized that cooked powder is not a good idea and pulled the rest.