No, not everyone has generators. Most generators will run the refrig and a few applicances, but not the A.C. In my mind that is the real issue. After last year many people, including Mike and Joan (our neighbors) got a whole house generator. It will run everything in the house, except the AC.
If I was going to get one, it would run the AC. I can live without my stove, but Sharon can not live with AC.
The other issue with generators is getting gas. If there is no power, there are no gas stations. Whole house generators run on gas.
Last year I saw a huge line at Lowes after a hurricane. I thought they were getting generators. No, they were waiting for gas cans to come in. They needed to get more gas as the generators burn through it pretty quick. People are now storing gas in their garages (50 gals), in case they need them after a hurricane.