How Do Different Types of Natural Disasters Affect Humans and the Environment?

Natural disasters have far-reaching effects that go beyond the immediate destruction. Natural calamities like earthquakes, floods, and wildfires can interrupt daily life, damage homes and infrastructure, and pose serious risks to communities. To grasp their impact, it's essential to analyse how various events affect people and the environment in both the short- and long- term.

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Alongside understanding these effects, being prepared with life insurance can help families weather the financial impact of disasters, ensuring they maintain stability and security even when natural events disrupt their everyday lives.

Outlined below are the major effects on people and the environment caused by different types of natural disasters.

Impacts on Humans

  • Natural disasters can lead to immediate fatalities and health hazards. After floods, individuals may encounter waterborne diseases and respiratory issues .

  • Natural disasters can damage infrastructure, including homes, schools, hospitals, roads, and power lines. This disruption impacts vital services such as electricity, clean water, and healthcare.

  • Economic and social disruption can lead to business closures, job losses, and the displacement of entire communities. Recovery can span years, imposing significant financial burdens on families and governments.

Increased awareness of natural disasters enables communities to identify potential risks and prepare proactively. Staying informed enables the development of stronger, more resilient communities that can confidently tackle future challenges. Similarly, planning ahead with term insurance can provide an added layer of security, helping families stay protected from unforeseen financial burdens while the community focuses on safety and preparedness.

Note: You can use a term insurance calculator to calculate the premium amounts of the plan.

Environmental Impacts

  • Wildfires damage forests and wildlife habitats, while floods and tsunamis erode coastlines and farmland. Volcanic eruptions can change landscapes forever.

  • Floodwaters can carry sewage and industrial waste, leading to contamination of drinking water. Hurricanes and storms can discharge harmful chemicals into rivers and oceans.

  • Geological and atmospheric shifts—earthquakes may cause landslides. Volcanic eruptions emit gases which can lower air quality and occasionally lead to acid rain.

Understanding these effects helps answer what is a natural disaster—a powerful natural event that causes serious harm to people and the environment.

Safety Tips For Natural Disasters

Preparedness for natural disasters significantly lowers risks and safeguards lives. Below are essential safety steps to follow during an emergency:

  • Create a Family Plan – Establish evacuation routes, identify safe meeting points, and recognise secure areas within the home.

  • Assemble a 72-Hour Kit: Include water, non-perishable food, a torch, batteries, first-aid supplies, medications, and a battery-powered radio.

  • Subscribe for local alerts and keep track of weather updates.

  • Secure important documents and your home by safely storing essentials and learning how to shut off gas, water, and electricity.

Preparation effectively reduces risks during emergencies by implementing simple steps in advance. Being aware of potential hazards and prepared to respond protects not just yourself, but also your family and community.

To Wrap Up

Natural disasters inflict significant damage on individuals, infrastructure, and the environment. Having safety plans, emergency kits, and timely information minimises risks and saves lives. Financial preparedness via life or term insurance enables families to recover and sustain stability during disasters. Awareness, practical safety measures, and financial protection foster personal and community resilience against unexpected natural events.

FAQs

  • Q: How does a natural disaster affect human life and the environment?

    Ans: Natural disasters can harm human life and the environment by damaging vegetation, eroding coastlines, and disrupting ecosystems, leading to uncertain long-term environmental impacts.
  • Q: What are the main causes of natural disasters?

    Ans: Natural disasters occur due to intense weather events. The main causes are tectonic activity (earthquakes, volcanoes), extreme weather (hurricanes, floods), and human-triggered environmental changes, such as deforestation and urbanisation.
  • Q: What are the effects of natural disasters?

    Ans: Natural disasters result in fatalities, injuries, and significant destruction of property and infrastructure. They can lead to food shortages, economic disruption, and environmental damage.
  • Q. What are the different types of natural disasters?

    Ans: The different types of natural disasters include earthquakes, floods, hurricanes, droughts, and wildfires, causing severe damage and loss of life.
  • Q: What are 7 human activities that affect the environment?

    Ans: Key activities include burning fossil fuels, deforestation, industrial waste, mining, urbanisation, overfishing, and intensive agriculture, all of which contribute to climate change, pollution, habitat destruction, and biodiversity loss.

Premium By Age

˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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