We've learned a lot from our clients through our Preparedness Coaching program, and one of our big takeaways is that people are not always objective about what risks they face, and hence tend to spend a lot of time and money preparing for low-probability hazards while ignoring the most likely hazards for their specific location.
This isn't necessarily bad for those people who are lucky enough to have unlimited financial resources, but one of the Core Elements of the ReadyNation preparedness program is financial conservatism. We've seen people who live in Houston, Texas spend upwards of $10,000 EMP-proofing their home, but who were not prepared for a major hurricane, as an example. That said, before this year, global pandemics have been pretty low on the risk probability list, yet we still find ourselves confronting a historic event. Our risk-based preparedness program therefore focuses first on the highest probability events, and then broadens to lower probability but higher impact events of larger scale, which the prepper community affectionately refers to as SHTF or TEOTWAWKI (The End of the World As We Know It).
Luckily, there is a plethora of publicly available data that maps decades of disaster data for every State in the US. Most cities and states also have a document that FEMA requires detailing the risk assessment for that area. NOAA also tracks major weather/climate related disasters (https://www.ncdc.noaa.gov/billions/mapping). Insurance companies use this data to determine their premiums, and we use data to help build custom risk assessments for our clients. Check out your area and see if the risks you face are what you thought they were! Or, send us an email and we'll be glad to walk through it with you.
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