Depends where the house fire or a flood is. If it's in a data center then they might suddenly disappear[1].
[1]: https://www.datacenterdynamics.com/en/analysis/ovhcloud-fire...
[1]: https://www.datacenterdynamics.com/en/analysis/ovhcloud-fire...
> Customers were not even compensated for lost data, unless they had paid for backups [which were also lost], with the company saying cloud customers should be handling their own disaster recovery plans.