Chernobyl is never... however there are people still living in the area... amazingly.
Some of them are Jewish Russians and CUFI or another Jewish foundation take them food each month.
But that brings up a good point. In a natural disaster, if your home is not destroyed, you might be allowed into the area. NOTE YOU MUST HAVE in your BOB proof of recent residence... a light bill or mortgage/rent payment with the address AND your DL or other state ID card with the address. Friends and relatives won't get in.
Then, if you are allowed to stay, if the electricity has been shut off 'in the area' because of wide-spread damage, you will have to contact them and receive a COO approval (certificate of occupancy) saying it's safe to stay and that the power company (which you also contacted and had come out) can turn the power back onto your home. THIS TAKES TIME when there are say, 80,000 homes like in Hurricane Andrew.) Each home is inspected in time, and indicators painted on the outside of the walls of the house... as to whether they found anyone, found someone dead, whether they condemned the house or deem it safe...etc. THIS TAKES TIME. Be prepared to go a week to a month 'on your own' even if you have a livable home.