Is courage something you have to be born with or can you develop it?
Courage isn't something you are born with, or without. It is something you have to develop. Courage doesn't mean the missing of fear. You can develop courage by learning and practicing the actions that you want to be able to do during an emergency. Having a few small actions to show/do gives you something to concentrate on instead a threat, or your own fear. If there are specific actions you can concentrate on, think about them, then do them.