Yeah, that's a conundrum all right. I won't claim to have "the answer."
After a hurricane or tornado where people are killed, we often hear survivors say something to the effect of "I thank God for protecting me."
Sorry if this seems disrespectful, but to me that sounds like defining God as random chance.
I mean, I sympathize with their plight, and I identify with their sense of shock and relief. But logically the statement seems to imply that God didn't protect their neighbors, or even sent the tornado to kill them. I'm sure they don't actually think that, but they haven't worked through that part.
From a detached perspective I have to think that it's just weather. We should try to do what we reasonably can to protect ourselves but unfortunately bad things are still going to happen.