Personal mitigation is mainly about knowing and avoiding unnecessary risks. This includes an assessment of possible risks to personal/family health and to personal property.

In a flood plain, in areas of subsidence or landslides, home owners may not be aware of a property being exposed to a hazard until it strikes. However, specialists can be hired to conduct risk identification and assessment surveys. Purchase of insurance covering the most prominent identified risks is a common measure.
Personal Actions
Personal structural mitigation in earthquake prone areas includes installation of an Earthquake Valve to instantly shut off the natural gas supply to a property, seismic retrofits of property and the securing of items inside a building to enhance household seismic safety. The latter may include the mounting of furniture, refrigerators, water heaters and breakables to the walls, and the addition of cabinet latches.

In flood prone areas houses can be built on poles/stilts, as in much of southern Asia. In areas prone to prolonged electricity black-outs installation of a generator would be an example of an optimal structural mitigation measure. The construction of storm cellars and fallout shelters are further examples of personal mitigative actions.
Sandbags Keeping Water Away
Structural & Non-Structural Mitigation
Mitigation involves structural and non-structural measures taken to limit the impact of disasters. Structural mitigation are actions that change the characteristics of a building or its surrounding, examples include shelters, window shutters, clearing forest around the house. Non-structural mitigation on personal level mainly takes the form of insurance or simply moving house to a safer area.