We built our house on 80 acres almost 6 years ago. Our power comes from the local co-op. Not all of their lines are underground but the line feeding our area is. The co-op gets its power, a mix of wind, solar, coal, and some hydro, from a larger power broker. In the past six years, I can recall 2, maybe 3 times that my house has lost power. I think the longest stretch was maybe 4 hours.
We heat with wood and cook with propane. For what I call the essentials, backup power is needed for pumping water (220V well pump), running the two freezers, and keeping the fridge cold. After those items, we can get by with some lights, the microwave, etc. The pressure tank for the well water isn't very large so that would be the first item to need power whereas the freezers could make it for a few days most likely. They hold our venison, chicken, and some of the garden produce.
I have a 30 HP compact diesel tractor. For around $2K, a PTO-driven generator in the 12KW range can be found online. Those aren't named brands at that price. I typically keep the tractor's fuel tank near full and there is always a 5-gallon jug of diesel in the garage. Keeping an extra 10 gallons on hand wouldn't be difficult. The tractor runs the snowblower in the winter so I always have diesel on hand for it. In contrast, I rarely keep extra gasoline during the winter except for a bit for the chainsaw.
I've flip-flopped over the past several years as to the odds of my needing a backup power system. The past 6 years indicate it is not very likely.....but that is what folks who just went through a 100-year flood probably say too.