Absolutely, I did a basic risk management process for my planning. Identified the risks, tried to quantify probability, timeframes, and ways to mitigate the risk.
Of course I don’t have the resources to do much about it, but at least I have a plan for each of the possibilities.
There’s also the inverse relationship between the “widespreadedness” of a disaster and its likelihood.
In the extreme:
You’re more likely to personally experience a jobloss or debilitating accident
than the earth is to be hit by an asteroid.