Anything disruptive is loud, chaotic, and disorderly. Disruptive things disturb people and upset the applecart.
Have you ever heard a teacher tell a loud student "Stop being disruptive"? Things that are disruptive tend to disturb others. Kids whispering in class can be disruptive. A screaming baby on a plane can be disruptive. If you're trying to play baseball and it starts raining, that's disruptive as well. When you're trying to do something and a surprising event screws everything up, it can probably be described with the word disruptive.