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assessment identifies the likelihood that each risk will occur. To keep
               calculations consistent, this assessment is usually expressed in terms

               of an annualized rate of occurrence (ARO) that reflects the number of
               times a business expects to experience a given disaster each year.

               The BCP team should sit down and determine an ARO for each risk
               identified in the previous section. These numbers should be based on
               corporate history, professional experience of team members, and
               advice from experts, such as meteorologists, seismologists, fire

               prevention professionals, and other consultants, as needed.



                          In addition to the government resources identified in this

                  chapter, insurance companies develop large repositories of risk
                  information as part of their actuarial processes. You may be able to

                  obtain this information from them to assist in your BCP efforts.
                  After all, you have a mutual interest in preventing damage to your
                  business!



               In many cases, you may be able to find likelihood assessments for
               some risks prepared by experts at no cost to you. For example, the U.S.
               Geological Survey (USGS) developed the earthquake hazard map
               shown in Figure 3.1. This map illustrates the ARO for earthquakes in
               various regions of the United States. Similarly, the Federal Emergency

               Management Agency (FEMA) coordinates the development of detailed
               flood maps of local communities throughout the United States. These
               resources are available online and offer a wealth of information to
               organizations performing a business impact assessment.
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