In our area, water, food, cash. Main risk is earthquake and if you live near the wood it is wildfire. If nuclear war started or zombie apocalypse happens there is not much we can do, traffic jam would kill us all before we could get out.
Grandparents went through WW2, and gold is the defacto cash when governments print nonstop, and currency is forced to change when a warzone is taken. People are still suing the Japanese government when they force the locals to forfeit USD and other currency for their "warzone currency", which became monopoly money after Japan surrendered. If you don't forfeit, you get executed.Another point: silver and gold will be worthless in a bad scenario. Owning them is no substitute for having food and other survival needs, because no one in his right mind is going to sell you goods he needs for his own survival at any price. You don't want to be the richest hungry man in the neighborhood.
Any scenario you can picture in which stores are open and accepting gold for a loaf of bread is outright 100% rubbish. The stores will have been looted long before that point, with no replacement goods likely to arrive soon if ever.