Second story posted says the fire may have been started by the Christmas Tree in the club house. This is why I have a fake tree and battery powered LED lights! (No plug in the wall = no fire!)
Probably a pretty devastating loss... I've never been inside the Annapolis YC Clubhouse (or even in Annapolis at all really), but I imagine that Clubhouse had a lot of 'history', as in architecture, art, craftsmanship, and historical artifacts. The SDYC is the same age (1886), but it moved around a few times and the present location in Point Loma goes back to 1924. I could walk around the SDYC Main Clubhouse for hours looking at the history that is tucked away in every corner, I can only imagine that the AYC building had just as much or more.