Nishnabotna, Sherpadog is into serious camping and would likely be ready to make his own shelter arrangements.

Sherpadog, Nishnabotna has a good point about the elderly, the infirm and the possibility of having to rely on a shelter in some cases, possibly even for you.

Even if you are not in a refugee center you might still be dealing with populations that are.
Even people who tried to isolate themselves got sick and died during the 1918 influenza outbreaks.
The flu was the most recent real pandemic we have a good record of.
The Flu killed an awful lot of soldiers.