IF it comes and IF the death toll is large like some people expect, and IF I am a survivor, then my housing problem is likely to be solved. I'll simply take over a house that's owned by formerly living people with no living relatives. Squatter's rights, all that stuff.
There'll be enough of this going around that nobody is likely to stop me.
I've heard estimates of anything from a 20 percent mortality rate to a 50 percent mortality rate, if it hits hard and becomes easily transmittable from human to human.
If it happens, I'll be shacked up with plenty of ammo and enough food and water for several months and I simply won't be leaving home, period. I may even do some sealing up of the house so airflow is very controlled, and maybe even filtered. Ride it out. Shoot anyone who tries to enter without permission. Consider it a quarantine enforced by paranoid, armed people who don't want what you might have.
CJ