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I would venture a guess that loaded ammo is excluded because lowered chance and severity of incident due to partitioning of the materials in question. The risk of a chain reaction, explosion or large fire is largely decreased by the partitioning.
Similar to the tannerite, sure the container could be smashed and some amount might be mixed in the requisite proportions then subjected to the requisite conditions for deflagration. But I would imagine that's as likely has one cartridge going off in a box of cartridges setting off the whole box. Even in that unlikely scenario the danger beyond fire danger seems relatively low. Sure, I wouldn't want to be standing next to a box of cartridges going off as small bits of brass being projected at me sounds unpleasant, but it's not going to explode or rapidly conflagrate as a container of powder or primers might.
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