Hamlet (h) used the drought (旱) to dry fruits (干) under the sun (日) in the anthill's bathroom (an4), but the marmot (旱) secretly stole and ate all the dried fruits.
旱
=
日
+
干
:
This character provides a mnemonic on its own: the sun (日) dries out (干) the land, leading to a drought (旱).
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)!