Go look at your blog. Find the last Fandom-related thing you posted. The characters in that post are now your team-mates in the Zombie Apocalypse. How fucked are you?
If we're defining fanfic as "Fandom Related" then it's White Collar and I've got Peter, Neal, Diana and Jones on my side. Somehow this makes me feel fairly safe. White Collar rarely bumps off the non-villainous extras and even the super-baddies tend to get arrested rather than offed. So I think Neal will find a way to con the Zombies or Peter and Diana will out bad-ass them and we'll all be fine.
On the other hand, if we're talking about "Fandom Related" as in Meta or Reviews or talking about fannish activity, then it's Torchwood: Miracle Day and somebody better take out a big insurance policy on me right now. People DIE on Torchwood and although they sometimes come back briefly, they don't tend to get better or happier afterwards and they then end up really most sincerely dead. Especially guest-stars, extras etc. Jack might feel guilty (because he always feels guilty when people die that he was working with or supposed to be protecting), but he will NOT be able to save me. So while Jack and Gwen (and maybe Rex, not sure about the others) will survive, I'm probably toast. Damn! Stupid Zombies! I really hope I get a good shag out of Jack before it happens.