If they did something like this, they should do the following:
Make a gradient setting for allowing a certain % chance of them (25/50/70/100) but have it be random disaster events based on time of year.
- Flooding in rainy seasons (fall, winter, spring)
- tornado/hurricane affects in Spring/Fall
- Earthquake with a chance of some minor damage to the home or just spooking (emotional triggers) Sims for a period of time
Disasters should not necessarily damage your house or specific area, but could have other affects on power or travel too and from work:
- Massive flooding or snow in nearby area causes you to be hour later too and from work, reducing $$ per day
- Schools and Businesses closed due to inclement weather - You got a free SNOW DAY!!
- Power outage due to tornado hitting the local power station for
Either way, if they did this, they should have a disable/enable toggle, just as they do in the SimCity games and just like Aging in the Sims titles.
Knowing the Sims team, they could handle it with humor and finesse, just like the Zombie-pocalypse and garbage monster disasters that happens in SimCity.
