Hurricanes are devastating natural disasters. In 2017, the death toll from Hurricane Maria was in the thousands and Hurricane Harvey cost $125 billion in damage. A better understanding of human decision-making during hurricanes will help us more effectively allocate resources for people in need and potentially influence people's decisions appropriately. In this work, we propose a generative model of human decision making during emotionally stressful, potentially life threatening events, such as hurricanes. The model addresses the impact of concerns, risk perception and information.