I've never lived anywhere where preparing for the eventual natural disaster seemed necessary. But here in the northern part of Illinois we were hit with a small (F1) tornado six years ago. It cut a very narrow path through part of the city where I live, literally right alongside my home. We had zero damage to the house, but lost a total of 14 full grown trees that were mostly sheared off at about 8 feet above the ground. And of course we lost power.
Because I had no backup at all, and we expected the power to come back within hours (which did not happen), we lost all the food in the refrigerator and stand alone freezer. I was able to find a new 2000 watt generator at a box store about 100 miles from my home, and used that to power my refrigerator and a few lamps for the couple of days until power was restored. Now I run that generator for a few minutes a couple of times a year just to make sure it still works. I keep a couple of gallons of gas, with Stabil added to it, just for emegencies but wonder how long that gas will really last.
I don't keep extra water or food goods on hand specifically for a disaster, but then again, I'm 82 and those few days in 2020 when we were hit by that small tornado is the ONLY time in my life that any preparation was really in order.