2. Are your supplies packed so that, in an emergency, you can load them in your car, alongside with a suitcase of outfits and your necessary files, and get out of town forward of a storm? Under other situations (e.g. floods, or urban unrest, or large fires, or whichever) it might be significantly safer to 'get out of Dodge' and request shelter somewhere else (ideally by pre-arrangement with spouse and children and/or friends somewhere else).