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I'll start with improvement.
1 Coal mine shaft disaster
This one is pretty boring, because the trail always goes to the right.
Go to Disaster7_Init in disaster_cmd.c
Then it will be easy to change direction randomly
Also, it would be more realistic + more disasterish

Take a look at the screenshot to understand what I mean
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Now two disasters more, similiar to factory\rafinery destroy.
2 Forest fire - forest caughts fire for a while, then it will take some time to plant it again. Production will be halt as long as trees aren't mature
3 Oil wells fire - it happens pretty often. There will be just a fire effect over one well (for about a month)
Production will be halt for a month
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4 Also I think disasters should happen often. I don't like 2-3 disasters per game.
I think there should be at least one disaster in two years, making game more enjoyable, especially on big maps
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What do you think about that?