Disasters are tragic events that cause loss of life, property damage, and environmental harm. They can be natural, arising from hazards like earthquakes, floods, and hurricanes, or human-caused through events like technological accidents or terrorism. Disaster risk is expressed as the likelihood of losses from a future disaster and includes potential impacts on lives, health, livelihoods, and assets. Natural disasters particularly threaten populations in areas with intensive risks like earthquake or tsunami zones, while dispersed groups face extensive risks from repeated low-level hazards. Disasters have direct losses like damage, indirect economic impacts from business disruptions, and intangible costs through psychological trauma. They also cause social impacts like homelessness, health issues if