The home town where the character lives is destroyed, there is little loss of life. However, after the disaster passes, the area is rebuilt and becomes more prosperous than ever before. (work with your DM to determine details)
In a dark alley at night, you are attacked by thugs. Before they can take anything, they turn white with terror and run away. You discover that you have a guardian ghost, a wise, benign spirit who accompanies you (work with your DM to determine details)
You are magically transported to your current location, a land far away from where you were born. Any family or friends are left far behind, This event makes you a foreigner in the land in which he now dwells. (work with your DM to determine details)