[The Duke]

All the supplies in the world don’t mean a thing if your home has been destroyed and you’re walking or trying to drive around in waist deep flood water..... I wonder how many of the people who stocked up eventually had to evacuate out of the area?

So, you're saying that I should not insure my house against fire if it may be damaged by a flood? Same principle.

[Balding_Eagle]

The insurance is removed (stored away) from the premises. The food is usually ON the premises.