Natural and man-made disasters--earthquakes, floods, volcanic eruptions, industrial crises, and many others--have claimed more than 3 million lives during the past 20 years, adversely affected the lives of at least 800 million people, and caused more than 50 billion dollars in property damages. A major disaster occurs almost daily in some part of the world. Increasing population densities in flood plains, along vulnerable coastal areas, and near dangerous faults in the earth's crust, as well as the rapid industrialization of developing economies are factors likely to make the threat posed by...