With the program FSPassengers,
www.fspassengers.com you can adjust for
the percentage of random emergencies, have the co-pilot yell them out
at you, and hear the passengers scream while you declare the emergency
to ATC. You even get the sound of emergency vehicles after you land
(if you land).
The down side is, it does not work in conjunction with FS9 ATC, so the
ATC doesn't react to your emergency. Hopefully one day, they'll fix
that so they work together.
It's fun anyway and will usually give you the sweats.
SnakeEyes