You've often heard me talk about the need for "shelter" in the form of not only a dwelling of some sort (house, apartment, tent, car, etc.) but in various ways to keep oneself warm and insulated from the elements. That's why I recommend you have a tent and sleeping bags as a backup at all times, just in case your house becomes uninhabitable for some reason. At least a 3-season tent is best, and if you live in a very cold area one of those alpine tents might even be necessary.
One other consideration is clothing that can double as some sort of sleeping protection. NPR, of all media sources, recently did a story about just such an item. You can read about it here: