Hazard 35 : A potentially damaging physical event, phenomenon, or human activity that increases either the frequency or the severity of losses (e.g., poor lighting does not cause loss, but it is a hazard as it can promote theft).
The Library of Congress, Preservation, Emergency Preparedness, Risk Management, Glossary of Terms: Definitions from Charles M. Nyce, Foundations of risk management and insurance (American Institute for Chartered Property Casualty Underwriters/Insurance Institute of America, Malvern, PA, 2006) and from Disaster Risk Reduction (University of Wisconsin-Madison Disaster Management Center, July 2009), Washington, D.C., USA 2014. http://www.loc.gov/preservation/emergprep/insuranc eglossary.html, (Dzstr Rsk Mgt - Amer) {853}