The average ratio for the risk of a disaster (a random event), occurring in a Holding = 1 in 20 (one every twenty turns), which equates to a probability factor of 6 per level, per Holding. However they are random.

Each disaster does not have the same ratio of probability - the rate of occurrence for fires is approximately 70% tornados 25% and earthquakes 5%.

The rates of loss incurred by each disaster are :-

Fire loss = 10% of production
Earthquake = 25% of production
Tornado = 50% of production

Insurance can be bought to offset some or all losses incurred by disasters.

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