This document discusses three approaches that explain why people live near hazards:
1. The fatalistic approach is where people accept that hazards happen and it is part of living in the area, showing little concern for safety.
2. The acceptance approach is where people understand hazards occur but choose to live in the area anyway because the advantages outweigh the risks.
3. The adaptation approach is where people see hazards can be predicted and protected against through modern technology and preparedness, so even if a disaster happens few people will be affected.