灾
=
宀
+
火
:
Zorro (z) just earned his PhD and is celebrating it with a bonfire (火) in front of the airplane (ai1), but then he accidentally drops his graduation cap (宀) and his certificate into the fire! What a disaster (灾)!
祸
=
呙
+
礻
:
Helga Horse (hu) tries on her new monk's cowl (礻) in the observatory's bathroom (o4), but she soon realizes a disaster (祸): in her monk's cowl, her breasts look lopsided (呙).