Every place has its hazard profile - here in california, earthquakes area great concern - potentially highly destructive and unannounced or forecasted, while we rarely need to bother with hurricanes or tornadoes.

Ofcourse, there is fire, both wildland and urban, probably the most universal hazard - we are getting a good doserightnow.

The lowest temp in which I have used an outhouse was somewhere around -40. One does not linger....
Geezer in Chief