The most common and most likely answer to this crossword clue is the 7 plus 4 letter word COMFORT ZONE
I've seen this crossword clue in The Times
C
O
M
F
O
R
T
Z
O
N
E
Buddy explains!
The straight part
We know that "A natural habitat, maybe," is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case a natural habitat, maybe, = comfort zone.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.