I can attest to this. I live on a major fault line. I got serious about natural disaster preparedness back in 2017 with Hurricane Harvey and seeing how the federal response was so bungled. It puts my mind at significant ease knowing that I have my families basic needs covered for 4-6 months. It took a long time to procure everything, to plan everything, it was a fair amount of money, and I continue to spend an hour or two managing all of this on a monthly basis, but it shaves off a worthwhile amount of background anxiety for me, personally, so it's time and money well spent.