Based on statistics gathered between the years of 1970 and 2005, the ISDR estimates 30.7 percent of all natural disasters can be categorized as floods. The category of windstorms includes three major types of natural disasters – tornadoes, hurricanes and typhoons. The strong backlash from the publication of Stage 3 of the Proposed Christchurch Replacement District Plan covering coastal and inundation hazards is the result of a number of failings – not least the prevalence of common sense. Likewise an insurer is only going to provide cover where the risk and mitigation strategies are well defined – they do not rely on council zoning to determine such risk but on sophisticated assessment methodologies of their own. The risk mitigation strategies available to property owners in hazard management areas are many and various.

In some places the degree of urban development in coastal suburbs and natural inland basins limits the room available for such natural barriers to be fully developed and effective. There are ways to design homes that sit lightly on the land and can survive natural hazard risks. However even these properties will retain an inherent market value in the interim to those who choose to live in such areas as a lifestyle rather than investment choice, to those who wish to rent, to those seeking affordable transitional housing and to those willing to accept the hazard risks. Lumped together, these disasters account for an estimated 26.8 percent of all natural disasters.
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According to the International Strategy for Disaster Reduction (ISDR), the following natural disasters are the most common. Four of the ten deadliest natural disasters in recorded history were the result of catastrophic earthquakes.

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