Hazard, Vulnerability, and Risk Explained

A natural disaster isn't just bad luck, it's a simple equation. It's Hazard times Vulnerability equals

Risk. The hazard is the event itself—an avalanche, a flood,

a wildfire. It's the potential danger. But a hazard in an empty desert

is just a thing that happens. The risk only exists when you add vulnerability—that's us.

Our homes, our cities, our lives built in the path of that danger.

Climate change is turning up the dial on hazards, making them more frequent and intense.

So when a catastrophe strikes, it's a sign our vulnerability was too high.

The challenge isn't just fighting nature, but building smarter.