The biggest threats for me would depend. Making the house unlivable? Regular house fire or tornado. Impeding my ability to get to/from work? Flood or blizzard. Causing a shutdown of the entire area? Blizzard (short term), power grid problem or very serious plague (longer term). I think it's good for me to have a couple of months of supplies in case of having to "bug in" with no power or no physical contact with others but I am not planning for a years-long disaster. I could do better with a car kit, though. Physically, I stay fit enough to walk 10 miles in adverse weather, and wear/bring appropriate clothing that if I had to, I could on all but maybe the very coldest days which aren't likely to have huge snowstorms or floods. Always travel in comfortable shoes, but I could stand to bring some water and granola bars just in case, esp if it's a high chance of snow and/or thunderstorm.
This series of threads reminds me that I should check in with my sister, who lives in the Seattle area. Way more chances for catastrophic problems there and I'm not sure what her preparedness is like.
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