I used to think fire. But having had my house flooded twice in about a year, I say flood is the worst. Water just destroys everything and leaves what’s left unusable.
At least a fire destroys everything completely. Walking through your house and seeing everything floating around, or underwater and having to throw it all away is pretty demoralizing. I had to get two other people to help drag my soaked mattress out. It must have weighed 400 lbs with all the water. I haven’t had a good night’s sleep since I threw it away almost a year ago.
I’ve known lots of people who lost their houses to hurricanes, due to storm surge. Some people’s houses simply washed away,or where left buried under sand and debris.
At this point, I have almost no belongings left, so I guess it’s a moot point…