OMG lol!! Do you think you have them anyway? Ask Katrina survivors.. Ask the people displaced and foreclosed on during the recession. You live in a town of over 300,000 people, you know who I'd bet will fare the best if it were to happen? Who'd break bread with you? It won't be the guy like in Sandy who literally kicked a woman and 2 kids off his porch and sent them to their deaths, or the ill prepared millennial that drives a 30k dollar car but only keeps 2 days worth of food on hand. That's my whole point re emergencies- blame only yourself because you actually have the means to do something about it. Since you were unprepared for the disaster, whatever disaster that may befall you, expect to be treated the way you treat others. Heck! You could have "chosen" to be prepared. Right?