This document defines disasters and their key components. It defines a disaster as an occurrence, either natural or manmade, that causes human suffering and creates needs beyond a community's ability to fulfill without assistance. A hazard is defined as a natural phenomenon with potential to cause disruption, while a disaster is the consequence of a hazard meeting vulnerability. Vulnerability is the propensity of things to be damaged by a hazard and can be due to factors like fragile infrastructure, rapid urbanization, lack of preparedness, and limited access to resources. Disasters occur at the intersection of hazards and vulnerability. The document also outlines the phases of community reaction to disasters and categories disasters as natural or manmade.