UK 'faces more major incidents'
Insurance firm Zurich also forecast a rise in industrial action over the next five years.
Around half of those polled believed their financial reserves will be drained over the next three years.
Anne Torry, managing director at Zurich Municipal, said: "Against a climate of tough decision-making and cuts for public sector organisations, our research shows that many are being forced to dip into their reserves just to continue delivering core frontline services.
"This means there will be little spare cash to draw on if disaster strikes."
- NatWest customers urged to keep records
- Income 'central' to poverty measure
- Banks could face 'customer exodus'