Being alive does involve a level of risk. My understanding is the number of hurricanes, for example, are expected to a little-less-than-double [0]. So, if you experience a hurricane it is still probably not due to global warming. Probably broadly true of the others, too.

We have words for these things because they've been threats since the dawn of time - nowhere has ever been especially safe safe from things going horribly wrong. The biggest problem always has been and will remain a lack of preparedness by communities for disasters.

[0] https://www.c2es.org/content/hurricanes-and-climate-change/