Where we live (western Europe) nature is gentle and still we build houses to withstand a full-on trebuchet (non-capitalised) attack. Even my detached garage is built like that. So our houses are way overprepared. On the other hand, most if not all people I know, including myself, do not prepare at all for disasters/cut-outs. Electricity normally is restored within a few hours, 48 hours is more than newsworthy. The country is densely populated and accessible, so clean water can always be brought in within a few hours. Conclusion: we're fine. And if something really really bad would ever happen here, it would be One Big Mess.