For us it’s usually Snow, Ice, flooding , or Fire. I’m oncall for a City and unless the State Patrol stops me from driving the 19.9 miles I’m required to be there in an emergency. This makes for some sketchy late night drives. This past winter I was going over Cape Horn at 3am and the drifts were hood high. Halfway there the goal went from getting there, to getting close enough to walk if I got stuck. It took 90 minutes to make it the 20 miles only to find out SR14 was closed and I was stranded at work for 6 hours until they plowed things out. The Gorge I live in is virtually one way in one way out so more often than not we are cut off and stuck sheltering in place. If that’s not possible we have plans for different situations, the river for wildfires, high ground for floods, and so on. My wife knows the locations, knows the route to get there, and when to go if I’m not home. She also has a pretty capable rig and living here her whole life is pretty used to getting around on bad roads while others are finding the ditch.