Most natural disasters are too big to be afraid of. It's not as if you can prepare against them on your own, so all we can do is endure them when they happen. If we survive, then there's stuff we can do to recover. If not, well, our troubles are over.
So I don't worry about such things. But, if I had to choose one, the electromagnetic pulse is a good one to go for. That'll destroy civilisation overnight and then we get to fight each other for whatever is left.
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