I've seen a lot of disasters myself, but they typically happen around the middle east/africa. Very rarely seen any disasters in the north except storms.

As for myself.. the one time a disaster has hit hard was the first fleet I sent to the new world. A storm hit during the journey, killing the family member who was leading the trip. Bit of a bugger really. But the captain managed to do a decent job invading the new world until reinforcements arrived a few decades later.