[What scenarios do you prepare for?]
Here in central New York, taxes and politicians <img src="/images/graemlins/smile.gif" alt="" />
Oh, and jaw-dropping lake effect snow blizzards. Three feet, snowed in for a week...happens.
Injury during hiking (lots of gorges)
Fire in the homestead
Lots of other common stuff
No earthquakes, hurricanes tsunamis, wildfires here.