The document discusses various risk factors related to the effects of disasters on human life from different perspectives. Physical factors refer to infrastructure and availability of safety objects. Psychological factors include mental health and perception. Socio-cultural factors involve beliefs, traditions and social status. Economic factors are assets, income and class. Political factors include government structure and diplomacy. Biological factors involve environment, health and diseases. Severity of exposure, gender, age and lack of support influence recovery. Disasters can cause displacement, health issues like disease, food scarcity, and lasting emotional trauma for children. Physical, psychological, socio-cultural, economic, political and biological perspectives provide different lenses for understanding disaster impacts.