Hishtadlus is a responsibility that was given to us:
“B’zei’as apecho tochal lechem.”
Our health is a responsibility that was given to us:
“Ush’martem m’od m’od l’nafshoseichem.”
Disasters are not a responsibility we have been given,
although when we know that something is coming,
it is certainly wise to prepare for it:
“Eizehu chacham? Haroeh es hanolad.”