Though I live in a major metropolitan area, my actual town is quite small and quiet. But, we have our dens of iniquity, like all human settlements.
I just happened to buy my first house next to one. I had the local pot grower/convicted felon next door. His customers were much, much worse than he ever was, but if I said something to him about customer X using our driveway as a roundabout or customer Y peeing on the tree, he nipped it in the bud. After all, he didn't want to draw attention to himself, did he? So life was relatively quiet until one Sunday morning at 7:00 a.m. when the county marshalls and several cops showed up to take him in. The knocking on his front door work me up. I peeked out the window to see what the noise was and saw them all out there with really, really big guns. I remember hitting the floor and wondering what bullets could penetrate as I crept to the far side of the house. Oh, and my big siberian husky lay on the floor next to me cowering as well. So much for canine bravery.
Also, we're a island that is pretty flat and when I bought that first house we were told by the bank we had to buy flood insurance since we were in a 100 year flood plain. We scoffed, but paid up and got the insurance. So, that first winter was a record setting one - epic storms, flooding in the agricultural area north of us, etc. We went out one Sunday morning for church and breakfast and couldn't get home due to --- flooding. Seems that a levee under the bridge connecting our island had given way and the main road was flooded. First time there was a recordable flood in the city in over 50 years.
In my current house, we live on a street that has a "dog leg" at the one end. In the 20 or so years I've lived here, at least two cars have missed the turn and run into the poor tree that grows there. Both times I recall clearly, it was a Saturday night so I suspect intoxication as a cause.
The scariest/funniest thing happened about 20 years ago when we had the Loma Prieta earthquake. Then-hubby and I had just turned on the TV to watch the World Series so we were at home. When the earth started shaking, he ran to a doorway for cover. But not me! I was gonna watch that game dontchaknow, so I proceeded to hold onto the TV so it wouldn't rattle off the rather rickety stand we had it on. Though the earthquake was longer than "normal" (we do get small ones every few months), it didn't feel strong enough that they'd have to call the game or that the Bay Bridge had been damaged. We found that out later. However, the Misha-held-the-TV-during-the-big-one story has become family legend.
We also found out about the collapsed freeway from the earthquake when my sister called from Oregon, frantic, when she saw the news footage. I might've been on that freeway returning from work, but had come home early to watch the Series. As it was, my co-worker, who took the same bus, had just.come.off the freeway exit. She said later she thought the driver had hit a pothole!