My house, several of my friends' houses, my insurance agent's office, my vet, all burned down in the same wildfire a few months ago. Local banks were destroyed along with everything stored in them, and we nearly lost our kids' school. Standing at the remains of my house, looking around at the destroyed community, it looks like we were firebombed. Not modern precision strikes... WWII scale, wrath of god, miles of destruction firebombed.
Anyway, I'm just saying that things you think are safe, really aren't. It's inconceivable that two houses across town from each other would burn down on the same day, until they do. Probably not going to happen, but sometimes it does.
Thankfully, my wife grabbed the binder with accounts and passwords, along with the kids and pets, when she evacuated, while I was stuck on a backed-up freeway an hour away.
I've been very conscientious since then about keeping both a physical and digital copy of everything important. I would never trust digital alone, but a physical copy just isn't reliable enough.
What if you keep a digital backup in your car? The mobility of your car should spread the risk. If your house burns down during work hours your data will be safe.
A lot of banks have been phasing this product out, but if your bank supports it, I highly recommend it. Usually, they’ll even allow you access with a drilling fee if you’ve lost the key but can show multiple forms of ID. Whether this is good or bad depends on your threat model.
Either on your keyring or in your fire safe. As I mentioned, if you lose it, you can get the lock drilled at the bank with sufficient ID. All trust waterfalls to meatspace trust providers, just like if you lose your Yubikey AWS support will reset your hardware 2FA with sufficient evidence you are you.
Just a note about safes... our community had a wildfire sweep through, and I have not heard of any fireproof safes actually working. Some were cracked open, or were so compromised they could be snapped apart by hand; some survived, but there were only ashes and melted metal at the bottom. I'm sure I didn't hear about the successes, only the failures, but still...
I don't want people to proceed with the notion that those safes are actually fire-proof. Consider them 'fire-resistant' safes that conditionally offer some extra protection.
Every single one of them probably "worked" as designed and marketed, or close enough. Safes don't claim to be fireproof and will clearly state something like "Fire protection for 1/2 hour at 1400F." Very few get into "Likely to survive the total burn-down of a home" territory.
Fire address AFAIAA are rated by time normally, so they'll be rated to withstand a fire for an hour - giving time for the fire services to extinguish it. A safe that survives a whole house burning to the ground seems like almost an impossibility.
