You are absolutely correct. Most people are killed by the same injuries you would get from a gas leak and explosion in your kitchen. Or a car bomb. Or an airplane crash.
Three feet of damp dirt will stop the initial Gamma ray pulse. If you shower and avoid ingesting any of the fallout (food, water, dust mask) then sweep/wash down your immediate area, you're fairly safe from radiation. The Ground Zero area will have Neutron Induced radiation, but they seem to be able to hold a ceremony at the Ground Zero Peace Park every year.
Not sure if the scraped the affected soil, covered it or what.
What do you do if the blast destroys the water works?
Cordially,