This document discusses vulnerability and the factors that affect it. It defines vulnerability as characteristics determined by physical, social, economic, and environmental factors that increase susceptibility to hazards. There are four main types of vulnerability according to the UN: physical, social, economic, and environmental. Physical vulnerability refers to proximity to disaster sources. Social vulnerability is inability to withstand impacts due to social/cultural factors. Economic vulnerability means lacking resources to construct disaster-resistant buildings or evacuate. Environmental vulnerability involves factors like natural resource depletion. Poverty is a major contributing factor as it is difficult for poorer people to recover from losses or construct sturdy housing. The document also discusses impacts of development like dams, embankments, land use change, and