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)!
fire / urgent / ammunition / fiery or flaming / internal heat (Chinese medicine) / hot (popular) / classifier for military units (old) / Kangxi radical 86