Ok, would you want it set in the town of Jericho, or another town somewhere, Im easy, as I still remember enough of Jericho to set it there.
It could be set just after the blasts if you like. As for my character, she would have won powerball and had enough money to buy and build a place that was spacious, filled with all sorts of comforts, but would be energy efficient, had enough solar panels and wind turbines to supply over 70 percent of her power needs. She would stockpile food and other items in case the big one hit, but she's surprised when it does hit.
She would be a bit of a mystery, as she lives alone on her property out of town, only coming into town once a week for perishables. Would you be from the town, or someone passing through, maybe get in some trouble, and I find you. That could be the best idea, maybe your being followed by brigands on the road, I come across you and save you, if that works.