We can't really predict unforeseen events in the future but if you have been very careful to secure your seed phrase in house or wherever you find convenient or safe for you and in the end you lose them to a natural disaster, you shouldn't worry too much if you survive the disaster because it's someone that is alive that will talk about seed phrases. People die in natural disasters and let's consider the opinion of those saying you should store your seed phrases in different locations, in such scenario will the seed phrases be useful again if the owner is no more and no one can locate where he hid the seed phrase?. There are some situations you can't help so if anything happens, you move on and find an alternative to keep living and surviving.