Most disasters in New Hampshire are weather-related and typically involve the loss of commercial power. Being out of power for a few hours is more of an inconvenience than a disaster, but a prolonged power outage or one which occurs during severe winter weather could force you out of your home and into a shelter.
The ideal situation for homeowners is to have a secondary source of heat which does not require electricity or a generator to provide power. A secondary heat source might be a fireplace or wood or gas stove. If you decide to invest in a generator, be sure a qualified electrician installs it and never operate the generator in an enclosed area, such as a garage. Generators create an inherent carbon monoxide danger and must be properly ventilated.
Also, on the subject of carbon monoxide danger, never use a cooking appliance designed for outdoor use inside. Barbeque grills, whether gas or charcoal, should stay out on the deck or patio. They should never be used indoors.