Where I live, the biggest threat is probably a meltdown of the Indian Point nuclear reactor. They've been talking about it for years, but my county has still not developed some sort of evacuation plan. A committee was put together a few years ago to develop such a plan, and they concluded it was impossible. So I'm not exactly sure how one can be "prepared" for that.
Other than that, there is not really much threat of a disaster here. I live far enough away from NYC (about 30 miles away) so any terrorist attack would not affect me directly. And I live at a high elevation, so it never floods here. And in my entire life, there has never been an earthquake here.