Humans by nature always believe "It won't happen to me."
Another great reason we choose to live here in West Virginia. Where our house is located there is no chance of any form of natural disaster, and we are far enough from any major cities (like D.C.) that we don't have to worry about of flood of human(?) refuse if there is a man made disaster (such as a terrorist attack/dirty bomb).
My advice - stay in your nice/comfy city enclaves. Remember what happened in New Orleans. The government will be there to help you. Bwuahahahahahaha!