It is not good to hold your coins on exchanges but hold them on a self-hosted wallet.
Non-custodial wallet or self-custodial wallet. You need to use a correct term.
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?
Having durable backups.
Having mulitple backups.
If possible, storing your backups at different locations.
5 years ago,
Beirut explosion - Lesson to learn from this. Similar concern and discussion will appear after next catastrophes in future.
Some advice.
How to backup a seed phrase?Metal Bitcoin storage reviews with different tests from heat, corrosion and crush.