One thing true for all situations: You must be prepared to defend what you have. Why? Because your life may depend on it (you and your loved ones). Whatever you have prepared can be lost in one single event. You may not get a second chance to do better next time.
Another thing that is important to consider is "time". You must understand how much time you have before you reach the next decision point. If this is a natural disaster, will things get better in three days? One week? Mark this on your calendar or mark in your wallet/purse. Why? Because you can't let a decision point pass you by without considering the basic question: Fight or Flight?
Military commanders, CEOs, everyone has "Decision Points" that come up and signal that you need to do something or face the consequences. Decision points give you time to think about the next step you are going to take. Going to take means "action". If you don't take some kind of action then the stress surrounding your circumstances will increase. Action under stress is a "reaction" or not a thought out decision. In any crisis situation it is best to have two or three courses of action that you can think through or discuss with your group.