There are natural disasters in Algarve but we have not had one for many centuries. The entire country of Portugal is actually on an earthquake zone. The last major earthquake was in 1755, so it was clearly some time ago.
The Algarve gets tens, if not hundreds, of little ground tremors, which are sometimes too weak to be felt by a human being, but they do happen because we are on an earthquake zone.
The Algarve is not a flooding zone. The biggest risk or the biggest natural disaster, I would say, that the Algarve faces is brush fires. There are a lot of natural areas that are fairly dense with shrubs and bushes. Unfortunately, we have bush fires every 5 to 6 years. The bush fires here are not at the scale of the bush fires that happen in Australia or California but nonetheless, it is probably the biggest natural disaster on a local level. However, very rarely does a home get damaged by bush fires. The last that I remember where a house got burned or damaged by a bush fire happened around 10 years ago when there was a bush fire in the Eastern Algarve. Because the fires mostly happen in the densely foliated areas, the density of homes in these areas is also very low. The loss of property is fortunately low and the loss of life is very rare. There could be a loss of sheep or cattle, which are generally a loss of natural environment rather than a physical, material, or human loss.
Relevant to flooding, about two months ago, Algarve had probably one of the worst floods that occurred in Albufeira in living memory. Generally, flooding is not common here in the Algarve because we are in an area where there is very little rain. We are always praying for rain. What happens in some coastal towns, because they built their buildings very close to the water, is that they get flooded when it is a high tide and it is a full moon. This is what happened in Albufeira a few months ago. There are other villages that are prone to flooding such as Ferragudo, and the downtown area of Tavira. So, overall, there are one or two towns or villages that can be flooded but flooding is not a common thing.
Relative to hurricanes, they don’t happen here in Portugal. We send them towards the US; we don’t receive them. The hurricanes start typically in an area near the Cape Verde Islands, then tend to go towards the West Coast of Africa, and then towards the East Coast of the US. We have high winds and we sometimes have windy days but gale force winds are very rare.
( Tile mural of Lisbon before the Portuguese earthquake in 1755, pictured.)
You definitely do not need a car in San Miguel de Allende. Here in Rancho Los Labradores, which is 10 minutes away from downtown San Miguel, there is shuttle service that people can take to go downtown. There are lots of people who live in Rancho Los Labradores who don’t have cars. Once you are in centro, everything is just walking distance. There are also taxis that you can take. 
The total one-time costs to move to Belize depend on where you're coming from to begin with. Are you moving all of your household goods? Have you qualified for the Qualified Retired Persons Program? If you do, then you can everything in duty free. Do you need any legal advice? You may or may not; it depends. This is a broad question to answer. 
There are no rivers and no waterfalls in Clayton, Panama, but there are a couple of streams and natural ponds. If you want to see rivers, lakes, and waterfalls, you can go to the Panama Canal, which is right in front of Clayton and less than a mile away. .jpg)
Wouldn’t it have been nice if, when you were growing up, you had an aunt who was always there when you needed her, who understood you, who always seemed to know what you needed and gave it to you, but who didn’t ask for anything in return? The one who, if you got into an argument with your parents, you could go to? Who would not be judgmental, and would help to make everything right? Putting aside the lopsidedness of such a relationship, we came to view Ajijic as that...
Many people have this idea that Panama is a backward place with grinding poverty, poor infrastructure, political instability and lots of risk for investors. In fact, while there is poverty there in relative terms, the people are happy, relaxed, friendly and open. Much of the country is pretty much like parts of California or the American south, and was so, long before swarms of gringos arrived at the start of the current economic boom.