My house, several of my friends' houses, my insurance agent's office, my vet, all burned down in the same wildfire a few months ago. Local banks were destroyed along with everything stored in them, and we nearly lost our kids' school. Standing at the remains of my house, looking around at the destroyed community, it looks like we were firebombed. Not modern precision strikes... WWII scale, wrath of god, miles of destruction firebombed.

Anyway, I'm just saying that things you think are safe, really aren't. It's inconceivable that two houses across town from each other would burn down on the same day, until they do. Probably not going to happen, but sometimes it does.

Thankfully, my wife grabbed the binder with accounts and passwords, along with the kids and pets, when she evacuated, while I was stuck on a backed-up freeway an hour away.

I've been very conscientious since then about keeping both a physical and digital copy of everything important. I would never trust digital alone, but a physical copy just isn't reliable enough.

Safety Deposit boxes are not trustworthy

https://www.nytimes.com/2019/07/19/business/safe-deposit-box...

The bank across the street from me is 100% burning up in the same fire as my apartment if the California wildfires get to me.

A lot of banks have been phasing this product out, but if your bank supports it, I highly recommend it. Usually, they’ll even allow you access with a drilling fee if you’ve lost the key but can show multiple forms of ID. Whether this is good or bad depends on your threat model.