Your looking in the right places for items, anywhere undercover is where things spawn, in buildings, sheds, barns, even doorways can some times have drops. You will learn what type of loot drops at which type of location. Sucks to have a broken leg and no morphine, its good to get to a hospital, in the main citys, to get some meds before heading out. If your still broken and know where you are, I'll come over and heal you, tend to carry all the meds on me.