Disasters happen everywhere. There is no special bubble of protection surrounding churches that protect them from disasters. The key is planning for and responding to disasters instead of simply reacting to disasters when they occur.
Planning. Many people focus on the first two words of Disaster Recovery Planning and focus too little on the last. It is difficult and sometimes impossible to recover from a disaster without proper planning.
Seriously, though, what disasters do churches face? These range from the simple to the complex.