Disasters are not natural. Their causes are our decisions on the management of risk from environmental phenomena, often forcing others to live in places and in ways which make them vulnerable. As in all “Disaster by Choice”, people select the rare phenomena or long-term risks they wish to deal with. Few possibilities for disaster have been unanticipated, yet decisions are made not to consider many which could occur. We can avoid disaster-related surprises by giving people opportunities to address all risks.