A hazard is a risk, while a disaster is a kind of risk that harms humanity. It is an event that can be catastrophic or tragic. Both can both be a threat in the natural and human-made context.
However, a hazard is a step below a disaster. Hazards can be geographical, such as earthquakes, volcano eruptions, cyclones, storms, floods, wildfires, and droughts. Hazards are classified by the severity of the damage that has been caused, and hazards can threaten life, health, property, and the environment.
A disaster can be even more serious. A disaster is a severe hazard that has become life-threatening. The severity of these hazards and disasters are measured on the Richter scale.