I know this isn't a perfect answer nor the one people will want to hear but part of being prepared is doing a thorough risk assessment before committing to a place to live. Granted life has risks; for instance a fire can occur anywhere and tornadoes occur everywhere except Antarctica. Yet some places have unique risks. You can get hit by a tornado in Kansas but not a hurricane for example. Right now I live in a town near a reservoir but my place is probably 75 feet above the highest non-Biblical flood possible.