Hi Chris,
All good suggestions.  The Loma Prieta earthquake was my first wake-up call.  Now the house is bolted to the foundation, wrench hanging near the gas shut-off valve, basic 5 day survival kit in place, etc.  Before Katrina, I thought this is a big country with hugh resources, so the State and Federal government would come to our rescue.  Like others in this group, I'm doing a major rethink.  A lot of my assumptions were way off.
Lynn