If it rains hard enough my basement will flood. The only downside to this is the mold that can grow from it. We don't really store anything in our basement anymore because of this.
We're pretty lucky over here in terms of "natural disasters", so no... The last thing to happen here was Irene, and luckily she didn't do nearly as much damage as our officials promised.
I don't really get anything, I live in coastal environment, so if the sea rises I am doomed. 😛 We do get serve thunderstorms here in November and serve rain a lot.
We're having some heavy snowing now so it's gonna be a 'wet' spring too. We had some huge floods in my county, but not the city I live in. The river that runs through the city has been made a canal, so it doesn't overflow too easily. We're not gonna have problems, but some of the villages in the county will surely have the 'pleasure' 🙁