Been thru earthquakes in the past, most common small ones, few times moderate. It can be nerve whacking experience and sometimes panic ensued when the moderate to strong earthquake hit the area.
When I live in Texas years ago, I did experienced tornado watch but none touched down nearby. We did have hurricane watch too, but it was not in my path, so I ride out the rain and the winds and let it die out and just experienced floods but thankfully the water did not get into the house.
As for other natural disaster, tsunami, volcano, never experienced that, never know when to expect the unexpected when tsunami comes. If there is large wave coming your way, it may be impossible to escape the coastal areas to up to 50 miles inland, and those people drown real quick. No chance to escape unless there is few lucky ones on the mountain top.
It's all the nature and sure they're cruel sometimes, but we got to live with that what the nature course they go...