Problem: You frequently think about the threat of terrorism and the possibility of natural disasters.

The Reality: We live in an uncertain world and are constantly exposed to violent images on TV and the Internet. It’s enough to make even the calmest person paranoid, or at least a bit edgy.

You’re Most Vulnerable If: You’ve ever been in a situation that threatened your safety — surviving a powerful earthquake or a four-alarm fire, for example — says psychotherapist Jerilyn Ross. Also, you may be someone who simply doesn’t cope well with unpredictability.

What to Do: Take a few moments to consider the probability (not the possibility) that a terrorist attack will occur in your town, a hurricane will destroy your home, or whatever else you’re worried about happening will happen, says Ross. “If you differentiate between facts and fears, you can deal with reality,” she says. Even if you live in New York City or Washington, D.C., which bore the brunt of the 9/11 attacks, remind yourself that that is the only time in U.S. history that such a large-scale terrorist attack has occurred. “Our minds have a way of focusing on the horrific risks that are highlighted in the news,” says Ross. “However, the chances of being in a car accident are greater than those of being killed by a terrorist.”

As a way of coping without blowing things out of proportion, learn how to be better prepared for a disaster. Write a list of things that would make your home safer and more secure, and come up with a disaster-readiness plan for your family: Where will you meet? Who will be your contact person if you’re separated? What kind of supplies can you stock up on now? Check these tasks off the list as you complete them. “Then you can say, ‘OK, I’ve done everything I can. Now I need to go on with my life,’” says Ross. “If you can’t move on, seek help.”

It Has Gone Too Far When: Your worry leads you to make unnecessary and unreasonable adjustments to your life — for example, refusing to fly or take public transportation. These fears may have developed into a mild anxiety disorder, says Ross. Talking to a therapist could bring things back into perspective and help you live normally.