The Flying Wild TV program about bush pilots had an episode where the pilot flew the only 2 residents of the Arctic National Wildlife refuge back to their cabin for the winter.

The brief walking tour of the grounds pointed out the insulated fully-stocked (with firewood & stove) tent that was a little ways away from the main cabin. It was the safe refuge in the event of the cabin burning down mid-winter. Gotta have someplace figured out to go when it's -50F outside and the house is gone.....

It's good to have made preparations :-)