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I would say fire, flood and no tap water for three days.
Those are the most probable things that people are not ready for and should be. If you leave in a city near a river, chances are high that the general population (you included) underestimate vastly the risk of flooding. I learnt it this year with the heavy rains in my area.
“General population” is probably what we’re not prepared for. Where I live has a low chance of disaster and I always naively thought that I have credit cards and enough charge on my EV to get 100+ more miles inland and find a hotel. That probably doesn’t work as well when everyone wants to do it at the same time