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In the space of two weeks, Hurricane Gustav has caused an estimated $3 billion in losses in the U.S. and killed about 110 people in the U.S. and the Caribbean, catastrophic floods in northern India have left a million people homeless, and a 6.2-magnitude earthquake has rocked China's southwest, smashing over 400,000 homes.

If it seems like disasters are getting more common, it's because they are. But some disasters do seem to be affecting us worse - and not for the reasons you may think. Floods and storms have led to most of the excess damage. The number of flood and storm disasters has gone up by 7.4% every year in recent decades, according to the Centre for Research on the Epidemiology of Disasters. (Between 2000 and 2007, the growth was even faster - with an average annual rate of increase of 8.4%.) Of the total 197 million people affected by disasters in 2007, 164 million were affected by floods.


It is tempting to look at the line-up of storms in the Atlantic (Hanna, Ike, Josephine) and, in the name of everything green, blame climate change for this state of affairs. But there is another inconvenient truth out there: We are getting more vulnerable to weather mostly because of where we live, not just how we live.


In recent decades, people around the world have moved en masse to big cities near water. The population of Miami-Dade County in Florida was about 150,000 in the 1930s, a decade fraught with severe hurricanes. Since then, the population of Miami-Dade County has rocketed 1,600% to 2,400,000.