Hurricanes: Hurricanes form over warm, moist air, and use it as fuel. Therefore, they can only form over the ocean near the equator. This warm air rises, creating a low pressure area below it. The surrounding high pressure air rushes in to replace the lower pressure area, and this new air also rises.
The water is the air makes clouds as it increases in height. In the North, it begins to spin counterclockwise, in the South, clockwise. An eye forms, and is a very low pressure area, so the storm spins around it. As soon as the wind speeds reach 74 mph, it is called a hurricane.
While we have some notice before hurricanes strike, we need to be careful to make sure to either make sure people can survive the storm, or that people can get out fast enough to survive.
Tornadoes: Tornadoes form when the warm, moist air mass from the Gulf of Mexico, and the cool, dry air mass from Canada meet, and start a thunderstorm (or an instability in the atmosphere). They change in wind direction, and create an invisible and clockwise spinning effect.
The thing that keeps tornadoes going is the "trigger", or a cold front. Tornadoes can form anywhere in the world, aside from Antarctica. However, they are far more common within the United States.
Flash Floods: Flash floods happen when heavy rainfall or snow melt overflow river and streams. They can last for weeks, and the water could reach the tops of houses. They are considered severe because they can destroy homes, property, and kill people.