I picked flood (i'm the only one who has so far!) because I've lived through two. Growing up I lived in a town on a floodplain. We got flooded out of our house once...it only took once for us to move to higher ground
Flooding isn't as predictable as people think. It's hard to say how high the water will get within your own home...and when the water does get in it's terribly unpleasant. I have vivid memories of sitting in my brother's crib eating cold blueberry pancakes and watching bill statements float past. I remember the big burly fireman who carried both my brother and I out to a rowboat in his waders and I remember living in a trailer in our friends' driveway for a month while the purchase of our new house closed. Thank goodness the house we got flooded out of was a rental.
In the PacNW, we deal with a lot of potential natural disasters--who's to say when there will be an earthquake, a tsunami or a volcanic eruption. We have forest fires every summer. I guess ater a while it just becomes an expected part of life.