If God(s) you believe in are personal and loving exists, and of course so do events of extraordinary tragedies in human history, regardless of 'why' God(s) allowed these things to occurred - whether they aren't powerful enough to prevent it, to the more popular reason that it'd disrupt freewill which they don't want to do, any sort of reason you can think of for them not doing anything about preventing it, how can they be trusted to take the wheel of your life? or to pray to for guidance or protection?
The fact such incidents happened at least once in history (again, for WHATEVER reason the god(s) allowed them to occur) means there's a chance it'll happen again, that the god(s) you believe in will not prevent it from happening again. So why trust them?
Just to note, my personal answer to this question is I don't expect God is a loving God, but the sum of all characteristics everpresent in the universe. So this question of course doesn't apply to any theological concepts that aren't exactly trustworthy.
There are three issues that make up an answer to your question.
1. God has priorities. Freewill takes precedence over our being happy. For love to exist freewill must exist, for freewill to exist the ability to use freewill incorrectly (indirectly or directly causing harm and evil). No freewill and you could not have love but may or may not have evil, and you certainly could not have choice. This is the personal explanation to your point.
2. The corporate explenationn to why thinkgs like floods and hurricanes cause harm is because when the original people God had endowed with a soul and the ability to chose to obey him or rebel decided they did not need God, God judged the universe as a whole. IOW he withdrew his sovereignty over nature concerning us so that we may see the mistake in rejecting him. Before the original people given souls rejected God the bible says where they lived was good and that he supervised nature for our happiness and pleasure. When they rebelled he removed those conditions and allowed unfeeling natural law to operate without regard to our happiness. Adam, Eve, and the Garden of Eden may be literal or symbolic but either way thei misuse of freewill and rejection of him caused them to be cast out of the perfect world God had created for them and into one which is indifferent to them.
Now that is two adequate philosophical explanation of how suffering can exist even if God is good and loving.
The problem is not the philosophical consistency of our situation the third issue is.
3. We never have and never will like harm, oppression, pain, misery, or evil (at least no one except a few psychopaths would). However that is not a philosophical inconsistency it is purely an emotion. An emotion intentionally put in place so that we may recognize our mistake in rejecting God and our need of him.
If we learn our lesson and look at suffering through the lens of the bible, it should lead us to repentance and faith inn God, and if we do that God has promised to end this period of misery and once again enact his sovereignty over the universe and re-establish the Garden or Eden like perfection where to evil will no longer occur to those that stopped rebelling, denying, and made a commitment to him before they died.
The existence of evil actually proves God.
If you say there is evil, then you must also grant that good exists by which to distinguish evil from. If you grant that evil and good exists then that requires an objective standard by which to distinguish between good and evil. To have an objective moral standard you must have an transcendent moral agent that grounds objective moral truths. You have to crawl into God's lap to slap his face.