Chances are that you won’t be in such immediate danger (dirty bomb, lava about to engulf your house, spiders like in that Arachnaphobia movie) that you actually have to leave your home. Most likely the government will stop functioning or the power grid will be down for a long time. Of course, there is always risk of civil unrest, but that is not likely to effect your home. There is no switch that will turn your peace loving neighbors into homicidal maniacs. Most likely life will simply become more difficult. Ask yourself, how will I best be able to survive for a few years in this situation? Was the answer, out in the wilderness with no supplies?