I guess considering yourself "lucky" may be a bit of a stretch. While we are not usually at the mercy of floods in WNY, blizzards, ice storms (shutting down power for hours or days), and ultra-cold weather, taxing utilities, heat, etc. are part of our existence. The scary thing about weather is that you CAN'T DO ANYTHING ABOUT IT! Between the fires in Florida, tornados in the mid-west, and flooding in the northeast, this is the "mean season." Period. My heart goes out to all of you!