It is not good to hold your coins on exchanges but hold them on a self-hosted wallet. This brings the responsibility of how not to lose your seed phrase because if you lose your seed phrase you will lose your coins.

If there is a natural disaster that flood your town or an earthquake that destroyed the building your seed phrases are, what are the other recovery means that you have in place for you not to lose your bitcoin?

We should backup the seed phrase in a way that no matter what happened, we should still be to have access to the seeds phrase. What are you approaches to make sure that no matter what happened, you will have access to your seed phrase if you are still alive and your brain is functioning properly.