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GAIA Host Collective
If I am wrong, you will have less debt, with a lower stress lifestyle and you will have more money in the bank. If I am right, you will at least be better prepared.
George Ure, over at Urban Survival, has PDF essay that you can purchase for $10 on "How to live on $10,000 or less per year." (I have nothing to do with his website/publishing efforts, and I'm sure there's tons of similar stuff out there). George's #1 recommendation is to arrange your life so that you can get by without a car.
But when the hurricanes come, FEMA will not be there to move you out in time. Curses!
And I keep a car for evac, but drive only ~180 miles/month.