So I live in Califonia where earthquakes are always a threat and they are also in many games as an event. Something that came to my mind due to recent events is like large fires. Possibly a wildfire event or add something to cars that would allow them to backfire which would cause a large forest fire that the fd would have to then go and respond to. This would also make owning houses out in the wilderness a risk. Also, things like hurricanes and tornados depending on the climate you live on (of course if you do separate places into climates) however I can see a fire being the most interesting. Let me know what you think about what you think of this or something like this!