Depends on how you define a villain.
You usually don't need someone behind a natural disaster, if that's what you mean.
A selfish prick that's out to save himself (and most importantly all his stuff) even at the cost of others, like the protagonist? A greedy f-er that wants to make a profit by providing people with the means to survive at exorbitant prices, without a care about the people who will not make it because of their greed?
I wouldn't call these villains, rather antagonists in a more general sense. You still don't need them, people disagreeing in good faith on how to best handle the disaster can already be sufficient to build tension, but characters like the ones I mentioned can give the conflict a focus and a more concrete obstacle to overcome.
Also great karmic justice if they end up becoming victims their selfishness or greed themselves.