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What's a higher likelihood...armed robbery or something like Sandy?

That depends to some degree on where you live, and the level of risk you are willing to take.

While tornados may not be unheard of in my area, I'm not building (read: digging) a storm shelter - my bigger concern is wildfires. But a mere 10miles from here flooding could be a bigger concern.

While loss of electricity can be a problem (esp in July!), currently the risk seems low enough that I have not purchased a backup generator, though I sometimes consider it - to the point where I've researched propane vs gas powered.

interesting quiz on this topic:

https://american.redcross.org/site/SPag ... quiz1.html" onclick="window.open(this.href);return false;