Luckily where I am at we rarely have natural disasters. The last tornado was small F1 that occurred in the 1970s. The last significant flood was over 15 years ago, and mostly affected small pockets of lower ground. But, we keep getting these freak "derecho" storms that knock out trees and power, just about every other summer now.
Yeah if something like Irma hits you, your stuff is screwed. Better have home insurance. Take what's important to you, and leave before it hits.