A natural disaster is an event resulting in a large loss of life and/or property, and caused by flooding, volcanoic eruptions, earthquakes, or severe storms such as tornadoes or hurricanes. As per research, the year 2020 is the most horrible year in a century because there are lots of disasters that occurred in 2020.
Insurance agencies often refer to so-called natural disasters as "Acts of God". Many policies have provisions that companies will not insure against such occurrences. For instance home owner's insurance in southern California does not cover damage done as a result of earthquakes. Earthquake protection must be purchased separately.
The original reference to "Acts of God" in regard to insurance claims came through a court case in 1803.
Emergency resources for the United States
See: Emergency links