Law of propability: I had zero dataloses due to fire, some data loss due to loosing a thumb drive backup and some data losses due to cloud storage shennenigans.
Hmm. I highly recommend a three way redundancy as others have mentioned. Put a copy in the cloud or store your harddisks somewhere else.
You are right, a cloud storage would make things a tad saver. Personally, I made a point in not putting anything in the cloud, especially none of the big providers, since I value my privacy and just don't trust any o those companies.