The whole point of this sort of disaster management planning is that you can't really predict what the next disaster will be, nor when it will be, nor what the worst one you'll experience will be. That said, you can play the odds and make worthwhile compromises.
In my case, I live on top of a hill about 100 ft above the water table. Flooding, other than a little water in the basement, is not going to happen in anything less than a biblical scenario. So I don't have to worry about my personal version of a Fukushima. What I do have to worry about is mature red oak trees and a fair number of pine trees around a narrow, twisty road and driveway (with power line on poles along side) climbing aforementioned hill and a power utility focused on profits rather than quality of service. I'm zoned rural and within 5 miles of the city limits of a city with about 50,000 people in it. They have the same power utility problems I do, but they tend to get their power back 1-3 days sooner. We have no municipal water, sewer, or natural gas, although the city does.
We're not really in hurricane territory, but one has blown through in living memory. I'm quite sure that my road would be closed for 1-2 days after a hurricane passed through, and power would be out at my house for at least five days in that scenario (it was out for 4+ after the big snows of winter '08-09) Accordingly, I've got to keep everything going on internal stores for a minimum of 3 days and a likely maximum of seven days. That's what drives the fuel, food and water planning. After three days my neighbors (or the county) could have cleared the road adequately and I could probably get the driveway passable regardless of what fell across it. At that point, I can get to the city to get more generator fuel, typically on about day three. If the roads still aren't open I should be able to take the kerosene cans, chain saw, and quad and get to some #2 diesel somewhere.
As a matter of practice, we keep rather more than seven days worth of food around. Water, while not hard to find, gets more difficult to get to the house after about day five (common well down at the bottom of my hill). I always have at least 24 hours of runtime of diesel fuel for the MEP-002A, and a lot more than that of gasoline for the small generator. I have a gallon of white gas for the camp stove. There are plenty of candles and flashlight batteries. And we get to 'test' all this once or twice a year for days at a time.
That's the kind of planning you do. If we lived on the coast or in a city in a tidal plain it would be a different decision set. I would, however, be cautious about depending for days upon resources not on site. Municipal gas is wonderful generator fuel until the accumulator tank runs out or the pipeline stops delivering...