In less you live in a vacuum, anyone living in hurricane prone areas is aware of this. Among having a stash of supplies (food,water etc), one needs to have adequate insurance in place.
Do you know the most common form of disaster in the U.S.? If you said flooding you are correct. One does not have to live in hurricane area to flood. Case in point, just last week West Virginia had a rather large area of flooding from persistent rains the past month or so.
As an experienced victim of Katrina,(3 feet in my home in Slidell, Louisiana) take my word for it. You will be glad you had flood insurance should you ever need it. While thousands finally were bailed out by the Federal Government. They had to wait months and months to get the money to rebuild. I was back in my house three months later thanks to an advance from the flood program and my great contractor. In this day of huge budget deficits can the American Government bail you out again? Don't take the chance. Give up a cell phone, cable or a couple of trips to the casino's to pay for it.