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A disaster is the tragedy of a natural or human-made hazard that negatively affects society or environment. In contemporary academia, disasters are seen as the consequence of inappropriately managed risk. These risks are the product of hazards and vulnerability. Hazards that strike in areas with low vulnerability are not considered a disaster, as is the case in uninhabited regions.[1] Developing countries suffer the greatest costs when a disaster hits – more than 95 percent of all deaths caused by disasters occur in developing countries, and losses due to natural disasters are 20 times greater (as a percentage of GDP) in developing countries than in industrialized countries.[2] A disaster can be defined as any tragic event that involves at least one victim of circumstance, such as an accident, fire, terrorist attack, or explosion.
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