I have been through major earthquakes in California, snowstorms in Connecticut, hurricanes and floods in Austin and Houston, but not one of them scared me like seeing a tornado when I was driving. I got away unscathed but it was definitely a, "Oh, this is how I die," moment.
Hurricane Harvey scared me because I was afraid our house might flood, but I was never afraid for my life.
I guess I would put tornadoes and wildfires up there on the "panic" list. Those are two things where I would really freak out.