I'll second that idea. Send copies of your stuff on CDs to friends or family who live AWAY from you. I have done this with my family tree files for years.
I've lived through a flood & lost everything once in my life & that was more than enough. Somethings simply can not be replaced. Better safe than sorry.
The only photos I have of my family that were taken prior to 1972 I had to beg off of relatives who were not affected by the flood. My dad died a year later so this doubled the whammy! Not many pictures were taken during that year. Somehow pictures don't seem important when you have no home or clothing but boy we wished we had thought of them after he was gone.
My family tree files cover 400 years of ancestors & 40 years of reseach. I copy everything to my brother-in-law. I am new to scrapbooking and I plan to do the same thing with my digital images - send copies to my best friend in MD. She couldn't care less about scrapbooking but she knows how I fear losing things to disaster. She'll keep them safe.
Ruthy