This particular email is fake.
http://www.snopes.com/computer/virus/virtualcard.asp
I've never heard of a "Sector Zero" and I'm pretty familiar with computers. Also, I hadn't heard of anything like that causing chaos in New York and it isn't likely that a virus could "permanently destroy" a hard-drive. Even the worst viruses can be removed by reformatting and then your hard-drive is fine. Only problem is you lose information. For those reasons, I was pretty sure this was fake and so I went back to Snopes just to check.
However, you do still need to be careful when clicking on links you receive from unfamiliar sites. There are real viruses that get around that way, just not like the one described.