Columbia broke up over the continental United States and a large number of the pieces that did not burn up in reentry were recovered and no one was hurt on the ground by being hit by debris AFAIK. Not sure of the direct comparison but it seems less likely than getting hit by lightning.
https://en.wikipedia.org/wiki/Space_Shuttle_Columbia_disaste...
When you consider the frequency of incidents like this and factor in how sparsely populated most of the world is you'd have far better odds winning the lottery.
And quite a few when El Al 1862 crashed into a building near Amsterdam Shiphol airport (both engines on one side of the cargo 747 had come off, plus leading edge of the wing, and when they later slowed down for landing, that side stalled irrecoverably :-/
Just don't live under the airport approach and departure corridors. (I live under the landing corridor, I enjoy watching the airliners float by overhead.)
I live near Heathrow, and I usually see 4-6 A380s flying over about lunchtime every day (heading to Asia, I guess). They're pretty spectacular, they almost look too slow/large to fly.
