It's much more statistically likely to happen closer to the center of the galaxy, where there is a much higher density of both star systems and black holes.

Charles Stross' book Incandescence is about (amongst other things) a race of sentient insects that hide inside a small asteroid orbiting a quasar that had had an encounter with a black hole sometime in the distant past, and had been ripped apart... but was now orbiting close enough to the star to be mostly safe. Maybe.