You don't need a terrorist strike or bird flu to cause severe problems. For the past few days the northeast has been hit with heavy rains. I noticed this morning when I left for work that the ground is completely saturated. This afternoon I spoke with my wife, who told me that her mother's normal 15 minute commute took about two hours this morning, due to flooding.
Meanwhile, Governor Rendell has declared a state of emergency in 46 Pennsylvania counties. Across the northeast, about 10 people have died so far from flooding.
Stuff happens. Be prepared.