I'm not "prepared" for a disaster in the truest sense of the word. "Prepared" alludes to the fact that some conscious and extra effort has been taken in order to have something to "fall back" on when you are hit with the unexpected.
I think the better word for me is simply "ready".
I grew up in a rural area and was often out in the woods or field without proper tools or away from modern conveniences so I began to develop what I later learned is called an "Every Day Carry" and just made having a wide and flexible variety of tools and supplies constantly ready and always available.
Right now on my person I have an iPhone 4, a 3" lockback pocket knife, small bags, a spare key in my wallet, my wallet, chapstick (shut up lol!), 50 feet of paracord, and a very compact belt sheath holding a leatherman, a 16gb usb flashdrive, a 700 lumen LED flashlight with spare battery and a small waterproof bison tube with needle, thread and firesteel...
I cannot be found without these items so long as I'm clothed. While my car and home is better equipped, if I was suddenly thrust into the middle of nowhere or into a disaster situation, I'm already carrying 99% of what I need to make it indefinitely assuming ANY resources are available (ie-game, trees, water) using what I'm already carrying and survival skills that were learned growing up.
Everything else extra is just frosting on the cake of survival.