The worst natural disasters I’ve ever been involved in were floods a couple of times to two different houses.
The damage was between $10,000 and $15,000 combined from the two floods. Dealing with flooding was difficult. A lot of personal mementos and things that were close had to been thrown out. Some can be replaced while others were heirlooms that are irreplaceable.
On the whole, a flood in the basement that did not affect the rest of the house is minimal. Seeing earthquakes on the west coast and others parts of the world, the wildfires that took place in the Smoky Mountains, tornadoes that happen every year throughout the midwest and southeast, Hurricanes that have impacted the Gulf and East Coast are far greater natural disasters than a flood in the basement of one’s residence.
I have avoided the aforementioned natural disasters a few times. While on vacation in the Bahamas a Hurricane hit the western part of the Caribbean. The cruise ships bound for the East Coast of Mexico and other parts of the western Caribbean were diverted to Nassau. The ships docked in Nassau for a few days before they were on their way after the Hurricane passed.
My other near brush with a natural disaster came when I left a trip to Los Angeles a day before an Earthquake happened. It was a bit unnerving, but thankfully it was not a major one and it had little effect on Los Angeles.