This document defines disasters and disaster risk, discussing natural disasters like geological, meteorological, and hydrological events as well as human-made disasters from accidents and incidents. It provides examples of different types of disasters and identifies risk factors like exposure, gender, age, location in developing countries, and lack of social support. The effects of natural disasters on human life are outlined as displaced populations, health risks, food scarcity, and emotional aftereffects like post-traumatic stress disorder. The document states that an event becomes a disaster when it is sudden or progressive, causing widespread human, material, or environmental impacts.