This document defines hydro-meteorological hazards as natural phenomena involving atmospheric, hydrological, or oceanographic processes that can cause loss of life, property damage, economic disruption, or environmental degradation. It provides three examples of hydro-meteorological hazards: floods, which can occur due to heavy rain overwhelming drainage systems; droughts, which are difficult to define but represent temporary climate aberrations; and cyclones, also known as tropical storms or hurricanes, which are intense low-pressure weather systems with winds over 62 kmph.