The reality is that a majority of small businesses do not have a plan. As part of the Wells Fargo Small Business Index, Topline, 3rd Qtr 2011 survey, a sample of small businesses were asked if they “have an emergency plan in place in the event your local area experiences a major disaster, such as a fire, tornado, hurricane, earthquake, major flooding, or other disaster?” While 41% have a plan, 58% do not.