What are the chances of people encountering natural and man-made disasters?

From the perspective of normal probability theory, the probability of people encountering natural disasters is only a very, very small concept. As in probability, almost exactly. But there are always a few special points that will make it almost completely established and spit out the concept of almost. I think that in real life, people can't predict any specific natural disasters. We can only regard them as non-existent, or we won't meet them. You should face life with a normal attitude and lifestyle and manage your life well. If a natural disaster happens, it can only be said that it is a matter of a person's fate, or that this person may really have no hope of a good life in the future. So I think from a practical point of view, the probability is zero and one only if it happens and doesn't happen.