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They get shut down and probably have been idle for months or years. Once global logistics breaks down and crews get drafted or pressed into military service, these plants will be out of use. If at all, accidents happened in the timeline during the drawing-down period or the nuclear exchange (where power spikes and massive damage were to occur). During game play, the only thing that could cause an accident would be mishandling debris or remaining fissile material or the very, very stupid, but not improbable idea of restarting a power plant under less than ideal circumstances, e. g. "player characters tinkering with a NPP to make it their base of operations".