Individuals and state and local governments (public entities) incur losses associated with natural disasters. For individuals, there are costs associated with evacuating, possible periods of unemployment, and costs associated with physical damage caused by the event, much of which is uninsured loss. Similarly, public entities incur damage to public buildings and public utilities and tax base losses associated with reduced economic activity. Although an entire community experiences a natural disaster, low-income communities and communities of color are disproportionately vulnerable to the risks of natural hazards and encounter the most difficulty in recovering from disasters.