In my research on Canadian and American emergency management agencies, I've found significant differences between official disaster strategies and how disaster responses actually unfold. For example, 'lessons learned' and theories of emergency management consistently call for formal coordination of all the organizations involved in disaster response.
Managing a big change in life can be daunting. That's why we need to have a clear understanding of our financial situation. It can't be fuzzy. Banks, for example, regularly conduct stress tests to identify areas of vulnerability. Testing allows for preventative planning to avoid systemic breakdowns or unrecoverable losses.
It's never fun to think about everything that could go wrong, but preparing for the worst is a sign of maturity. Fires and floods (and much worse) are a part of life, and we shrug them off at our peril. The good news is that CFIB has created some Basic Emergency Management Guidelines for small businesses.