There is A LOT you can do just with a social tensions within a community + some non-zero-sum disaster relief.
Take a "pressure cooker" faction / heist system from Blades in the Dark / Band of Blades and make the player characters firefighters or first responders. Have them fight disasters and make the community more resilient.
Non-obvious moral choices, who to help, how to weigh probabilities?
If you need to shoot someone, it's a traumatic experience.