This post got me thinking, so that's a good thing.
I've put a few hundred in my safe in case. If they take the safe, oh well...
Beyond that, I want to talk about disasters. You need to know your situation. Hurricane Andrew was over 20 years ago. Things have changed somewhat, but cash is still king. I will not discount that.
However, I've worked with businesses since then who were bit by Andrew and have satellite services (for commincation) with generators just for that possibility. We helped install them. Now, not every business has that, so there will be shortages. Cash is king.
South Florida is also unique. You are "at the end of the world" down there. A hurricane in the east coast is different than South Florida. But yeah, cash is still king. But they need power. They need power to get the gas out of the reserves. So there will be shortages since new supply trucks cannot get in. We saw some of this with Sandy and Katrina.
Earthquakes? Could be really bad. Have some cash.
Know your situation. I have some cash, but here on the east coast, I always have gas in the cars ready. I have cars on the street and in the garage. We are on a hill, not flood prone. Good chance a tree will take out one but not both. But maybe the streets are blocked? So the neighbors worked to clear it. Are they ready next time?
So, yeah, cash is king. But think bigger, and think of your typical situation. Blizzard? Flood? Earthquake? Hurricane? Gas up. Know the typical limits. Bring your cash to get out with your full tank.
Beyond that, it is harder. War? Nuke hit? Government meltdown? I'm not ready for those. I'm absorbing that bad possiblity.