A is the consequence of when a potential natural hazard becomes a physical event (e.g. volcanic eruption, earthquake, landslide) and this interacts with human activities. Human vulnerability, caused by the lack of planning, lack of appropriate emergency management or the event being unexpected, leads to financial, structural, and human losses. The resulting loss depends on the capacity of the population to support or resist the disaster, their resilience.

 This understanding is concentrated in the formulation: "disasters occur when hazards meet vulnerability".

 A natural hazard will hence never result in a natural disaster in areas without vulnerability, e.g. strong earthquakes in uninhabited areas. The term natural has consequently been disputed because the events simply are not hazards or disasters without human involvement

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Comment by Aaaautoinsurance Sep. 08,2008 top ten natural disasters