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.
Most likely, this is the case, but there are some unpredicted earthquakes that would leave tremendous effects on the country, and your bitcoin seed phrase is not an excemption.