Regions with low and medium sHDI face the highest human losses, including fatalities and affected populations, due to their limited adaptive capacity and higher vulnerability. For example, residents in low sHDI areas are three times more likely to die from floods and 8.2 times more likely to die from storms compared to those in very high sHDI regions. Economic losses, while higher in absolute terms in high sHDI regions, disproportionately affect low sHDI areas due to weaker social safety nets and lower insurance penetration. The study also highlights that rapid urbanization in high sHDI regions increases exposure to hazards like floods and storms, even as fatalities decline due to improved infrastructure.