Opponents say the government's policy is 'a disaster waiting to happen'. [=something that will probably have a very bad or tragic result]
The government's policy is 'a recipe for disaster'. = The government is 'flirting with disaster' by pursuing this policy.
The earthquake was one of the worst 'natural disasters' [=a disaster caused by natural forces] of this century.
(..) Hey. We're done here. Fixed the closet door, too. And if you'd like, I could take a look at the washing machine. No, I couldn't ask you to do that. It's a disaster down there. Come on. How bad can it be? Oh. Bloody hell. Everything still quiet in there? Yes. Thank goodness. Yes. (..)2016 The Conjuring 2