You know you have enough when if your house catches fire, instead of trying to put it out, you run the other direction....
Most home owner insurances limit the amount of gun powder that can be stored in a home, and them still pay if there is a fire. I decided to talk to my electrical contractor and picked up a few waterproof enclosures, one for powder, one for primers and another for loaded ammo. My agent has viewed the arrangement and agrees that I am good to go on the house. Put in a reloading/gun cleaning building sufficiently distant from the domicile to preclude denial of coverage should a fire event occur where I sleep.
Lots of rules the average individual does not know about.