Having lived through several natural disasters I can tell you that even if your house survives, it absolutely sucks when everything else gets trashed. Depending on the disaster, it may also include things like ruining the water supply.
Wow! I've been through two (tornado, and a windstorm that took out the power for 2 weeks).
> it absolutely sucks when everything else gets trashed.
True, but insurance won't help with that. At least you have a clean place to sleep.