For a disaster of local or regional proportion:
We always keep several weeks worth of food/water in the pantry and plenty of firewood at the ready in case we need to hunker down at home for several days. DW and I spent 10 days without water or electricity a few years ago during a snow storm, and we managed just fine, using the fireplace for heat and cooking.
If we need to leave town post disaster, it would not be very difficult since "out of town" starts in our backyard. We just have to hike it out of there through the woods.
Once we make it outside the disaster area, access to money to pay for a motel room, a rental car or airplane tickets would not be a problem. Almost all of our net worth is portable and consists of liquid assets held at large, national banks and they can be accessed very quickly from anywhere in the US. The majority of it could actually be accessed from anywhere in the world with a simple debit card. If our area was ravaged by a natural disaster of biblical proportions, we would not hesitate to leave our cheap house and cars behind and immediately start rebuilding our lives in another part of the country or the world.
I can identify three natural disaster risks in our area: hurricanes, tornadoes, earthquakes.
We live several hundred miles away from the coast, so the risk of a cat 4-5 hurricane landing on our door steps is remote, but we could still have to deal with the remnants of the storm: destructive winds, flooding and landslides. If a strong hurricane was to target our area, we would evacuate beforehand. But again, given our location, the risk of wild spread destruction due to hurricanes are very remote.
Tornadoes are frequent visitors to our area and they represent our highest risk. But the aftermath of a tornado doesn't concern me much. A F2 tornado touched down in downtown last week and only a small part of the city was impacted. Rescue crews from the city/county were on location very swiftly and cleanup was prompt. In any case, it would be easy enough to hike out of the relatively small disaster area and quickly resume a fairly normal life.
The last risk we are facing is earthquake. We live a few hundred miles away from the New Madrid fault line and although it is has not caused widespread devastation in almost 2 centuries, the risk is definitely there.
We always keep several weeks worth of food/water in the pantry and plenty of firewood at the ready in case we need to hunker down at home for several days. DW and I spent 10 days without water or electricity a few years ago during a snow storm, and we managed just fine, using the fireplace for heat and cooking.
If we need to leave town post disaster, it would not be very difficult since "out of town" starts in our backyard. We just have to hike it out of there through the woods.
Once we make it outside the disaster area, access to money to pay for a motel room, a rental car or airplane tickets would not be a problem. Almost all of our net worth is portable and consists of liquid assets held at large, national banks and they can be accessed very quickly from anywhere in the US. The majority of it could actually be accessed from anywhere in the world with a simple debit card. If our area was ravaged by a natural disaster of biblical proportions, we would not hesitate to leave our cheap house and cars behind and immediately start rebuilding our lives in another part of the country or the world.
I can identify three natural disaster risks in our area: hurricanes, tornadoes, earthquakes.
We live several hundred miles away from the coast, so the risk of a cat 4-5 hurricane landing on our door steps is remote, but we could still have to deal with the remnants of the storm: destructive winds, flooding and landslides. If a strong hurricane was to target our area, we would evacuate beforehand. But again, given our location, the risk of wild spread destruction due to hurricanes are very remote.
Tornadoes are frequent visitors to our area and they represent our highest risk. But the aftermath of a tornado doesn't concern me much. A F2 tornado touched down in downtown last week and only a small part of the city was impacted. Rescue crews from the city/county were on location very swiftly and cleanup was prompt. In any case, it would be easy enough to hike out of the relatively small disaster area and quickly resume a fairly normal life.
The last risk we are facing is earthquake. We live a few hundred miles away from the New Madrid fault line and although it is has not caused widespread devastation in almost 2 centuries, the risk is definitely there.