Turbo - reality means different things to different people. I am often told, "nothing could ever happen here. This is a 'nice' neighborhood".
It may not work but in answer to that I often suggest doing a Google search for Dr. William Petit in Cheshire, CN.
Or, you could look up "The Knoxville Five" story.
Truth is, none of us have the ability to predict the future - if we could, we would probably not be there when something bad happens.
I keep fire extinguishers in my home and car; I keep my spare tire inflated and I carry life insurance. I know how to use the extinguisher and how to change a tire. I hope I will not have to use any but I suspect one day, I will.