Natural disasters affect the poor disproportionately because they so often occur in rural regions and high-risk zones where poor people live out of tradition or necessity. In addition, high-income countries are often better prepared for emergencies than low-income countries. As researchers for the World Bank pointed out in "Natural Disasters: Counting the Cost," (March 2004), developed countries tend to have early warning systems and emergency response plans, as well as emergency medical care and insurance coverage. In low-income countries and remote areas, communication systems are less reliable, if they exist at all, making it difficult to implement early warning systems. After a disaster, victims must often wait for outside help from international organizations, and any money targeted for local development plans must be diverted to relief and rebuilding efforts, which is often a significant setback to human development projects.
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