To be fair, one other disaster that is much more likely than an earthquake, flood or fire, is someone just walking in and stealing your server.
All I am saying is to sit down and think of a backup strategy. There are more ways to do backups than users on AC. Consider a couple of external USB hard drives for daily backups and still take one home with you daily or weekly.
There is an overused phrase now in IT: Mission Critical Data. But, it makes sense. Your storage of letters to various patients or businesses are important, but I doubt you would call them Mission Critical.
Before you think about backups, ask yourself what would you do if you suddenly lost all of your AC data, and you had no data? Then, think about how you want to prevent that.
Cheers!