I strongly doubt there is a genetic factor. Instead, I would say it is due to experience and education, but not even then. For example, my mother and grandparents are where I learned preparedness from, but her sister is less than worthless in an emergency, crisis or inconvenience, and is utterly unprepared.

What makes one more likely to survive (intelligence, body type, metabolism, etc) do have genetic predisposition, but life style and experience have at least as much to do with those as genes do.