Vulnerability is determined by a combination of physical, social, economic, and environmental factors that influence a community's ability to prepare for and respond to disasters. Physically vulnerable groups include the poor, elderly, women, and children, as they often have less resources to withstand hazards. Socially, less educated groups and those with weaker community ties are more vulnerable. Certain key infrastructure, coastal and agricultural areas, and human health are also vulnerable sectors affected by climate change and disasters. Reducing vulnerability requires policies and programs that address factors like poverty, education, governance, technology, and social inclusion.