I usually think of disaster as losing all our money, not weather so much. The cost of ownership of the cabin in Maine is so low we could live quite well there on just a portion of our Social Security. However, if we became dependent on SS and it failed, I guess we’d be out of luck. We do think of the cabin as our “$*!& hits the fan” plan, though. Hunting is excellent and we back up to Maine’s best source of land-locked salmon. We have a well, so electricity is our biggest vulnerability. We have a generator and a propane heating source, but if the grid fails long term and access to propane is cut off, we’d be in trouble if disaster struck during the winter in Maine. We have solar but no generator (yet) in AZ and residential water could become a problem, so I think we’d be safer in Maine. We live in the woods, perhaps we should be thinking about a wood stove…