Be it earthquake, wildfire, flood, extreme summer and winter weather or tornado, most Americans report being ready to face emergencies, with just 12% saying they are unprepared for any of the previously mentioned events, according to a survey by ValuePenguin.com.

When it comes to weather-driven events, most feel confident in their ability to respond to extreme heat and winter storms. Fewer than half of the survey respondents said the same for wildfires and earthquakes, the latter of which is the emergency people feel the least ready for.

While most feel prepared, the survey revealed that many are overlooking some critical factors to emergency preparedness. For example, although slightly more than 60% of consumers said they can ensure the safety of their home and family in the event of a flood, less than 20% know for certain that they have an insurance policy that would respond to such an event, according to ValuePenguin.

The survey also revealed that just 23% of people have never experienced a natural disaster. Of those that have experienced these types of events, nearly half said they were as prepared as they possibly could have been. Around 15% said they weren't prepared at all.

The slideshow above highlights just how prepared U.S. policyholders are, as well as some areas where they can improve and additional insights from the survey.

Related: |

• How local governments can best prepare for natural disasters
• Catastrophe preparedness: Essential items for emergency kits
• These 8 items are critical to have in a pet emergency kit