Is flood or earthquake happened instantly without any preparation? nah.
Before earthquake happen, the geologist already give a speculation if earthquake might happen.
Flood happen from day to day, it start from small to big.
Instead of worrying about natural disaster, you have to worry whether your country will be attacked by other country, if someone sent nuclear bomb, then it's over.
I wouldn't be so confident in saying that it can be predicted in advance. Do you remember the recent event? What happened in Thailand the other day? Would people be so careless that they let themselves die?
Natural disasters are always unexpected, and you can't fight the elements. However, the outbreak of a nuclear war should worry you much less, since after it, there will be no point in your supplies, from the word "absolutely nothing."
Therefore, saving your seed phrases in an emergency suitcase if the country is in natural disaster areas is certainly a smart decision, but unfortunately we cannot completely protect ourselves from what we do not expect.