Comment: Off Site Backup (Score 1) 86
Folks, you don't need a local/wide area disaster to cause these problems. How many houses burn down every day? Keeping your 'stuff' off the floor helps, but the only thing that REALLY works is some form of off site backup. Be that "swap the USB drive with the one kept in the bank once a week" (then you only lose a weeks worth of stuff) to automated backups. The DISADVANTAGE of 'swap to the bank' is that MOST folks have their bank close to home, and whatever takes out "home" could prevent you from getting to your backup
That said, backup plans can get a tad 'extreme'. Back when I was a kid, and just getting interested in computers (aka I think this was circa 1972) I got a tour of a data center where the folks were truly paranoid (but they were also using it for load sharing)
The had 2 redundant mainframes at each data location. The location I toured was in Downtown Manhattan. There was another center in Midtown, then there was one outside Boston, One in Chicago, One in California, London, Munich, Paris, and Tokyo. The LAST data center was in Alice Springs. Yes - their disaster plan DID figure in Nuclear War