I haven't experienced any natural disasters other than blizzards which I guess makes sense being in Canada and all.
The thing is... I have extreme cold weather gear so a blizzard to me isn't even nearly as big a deal as it probably should be. I've walked miles in -37 degree celsius weather with high windchill, uphill both ways just to get back to my car when public transit has failed and the downtown roads are a disaster. Really though I don't know if these sorts of things even count as natural disasters... maybe if there was an ice storm that took out the power.