Electricity and Natural Gas
Electricity and natural gas have become so reliable that we no longer think about them. They are just always on. What would happen in your area if the gas line broke or power plant or long haul power lines went down? How long would it take the utility company to get them repaired? These problems are outside the realm of problems you can control. It is, however, in your control to get a generator to keep your refrigerator/freezer or a water pump working. Just make sure it is connected to your home in compliance with local electrical codes.
The secret is knowing what your limitations are and protecting your property to that point.
What is your disaster plan?
The time to start is now!