How about breaking it down into what you have, or expect to have, gone through.

Likely (what you have been through more then once, and you expect to happen again with some frequency): For me that's power outages, loss of water, boil water order, wildfires, minor earthquakes, car breakdowns, and car breakins.

Unlikely (have been through it once, or has real potential to happen): Car accidents, home break ins, criminal assault, loss of computer data, house/car fire, large (knock over furniture, some structural damage) earthquakes.

Possible, but very unlikely: TEOWAWKI/PAW, tornados, flooding, catastrophic (flatten city) earthquakes, hurricanes, and blizzards. I know the great plains and east coast people are giving me strange looks right now, but outside of a couple of minor tornados/waterspouts about 20+ years ago, none of that has happened in my immediate locale.