Your situation may very, but in my neck of the woods (SoCal), "mandatory" evacs aren't all that mandatory. if you choose to shelter in place, you are allowed to remain and no one will order you from your home at gunpoint,etc. If necessary, resources will probably be diverted to your rescue and salvation - resources that could better be utilized in dealing with the emergency.

Everyone;s situation is a bit different, and it comes down to a personal decision, weighing all the factors involved. I live in a mandatory evac zone from the Thomas fire, of a couple of years ago, and I left willingly, transporting our essentials and knowing that the dwelling was insured. I was helping things by getting our of the way o the firefighters, so they could concentrate on the fire.

It is very difficult to communicate on a fire line, when your voice commands are overwhelmed by the screams of the dying....