If you really want full DR protection against "fire, flooding and other acts of god." then use Oracle Data Guard, which maintains a near-realtime copy of the DB at another site, ready to go. You'll probably need a full backup as well.
As always, though, you should never start with the backup software and try to figure out what protection it can give you. One thing I hate getting is a call from a customer syaing "I've bought product XXXX, how do I use it to protect my business?" Proper business continuity practice is to work out what level of protection your business needs, and then choose the right solution. It might be weekly cold backups, daily online backups, Data Guard, or some combination of them all.
If you do the risk analysis and the business disruption calculations properly you shouldn't need ninjas.