Abstract
This report follows population growth into the hazard envelope using the GHSL Urban Centre Database R2024A, which traces 11,422 urban centres from 1975 to 2030 and counts the residents living in undefended 100-year river and coastal flood zones, the low-elevation coastal zone, 100-year cyclone-wind zones and zones of strong earthquake shaking, alongside each city's mean temperature and the organised violence recorded within it. It measures whether growth leaned towards each hazard, how hazards compound in individual cities, and how exposed the cities born this century are.
Urban-centre population grew from 1.63 billion in 1975 to 3.69 billion in 2025 (3.85 billion projected for 2030). The population in river flood zones grew faster, from 170 to 507 million: 16.4% of urban growth settled in flood zones against a starting share of 10.5%, a growth bias of 1.56 — 1.8 in East and South-East Asia and 2.0 in upper-middle-income countries, but 0.77 in high-income ones. Growth was close to neutral towards low coasts (1.08) and leaned away from cyclone (0.79) and earthquake zones (0.75). The population of cities with a mean annual temperature of 27 °C or more tripled, to 413 million.
Hazards compound: 55% of urban residents live in cities flagged for at least one of six major hazards, up from 47% in 1975, and 20% — 746 million — in cities with two or more; 61% of the 2.06 billion people added since 1975 settled in cities inside the envelope. The 3,911 urban centres born since 2000 are slightly more exposed to river flooding and heat than older ones. Because most of the urban growth still to come is unbuilt and concentrated in South Asia and sub-Saharan Africa, risk-informed land-use planning, affordable safe land, hazard-adapted construction and municipal planning finance are among the cheapest and highest-return adaptation measures.
Interactive charts of the hazard envelope over time, growth bias by hazard, region and income group, hazard flags by income group, hazard counts and co-occurrence, new versus older cities and regional growth, tables of the most flood-exposed and multi-exposed cities, and a night atlas of 2,457 urban centres accompany the analysis.
Overview
Where the next billion city dwellers settle — and what they settle into — is decided street by street, and it is shifting the world's population deeper into the envelope of hazards.
Population growth does not land evenly on the map. It lands on the edges of cities — on the cheap land at the margin, which is often cheap because it floods, sits on unstable slopes, lies just above the sea, or bakes in the heat. Every new neighbourhood is a settlement decision, made by households, developers, landowners and governments, and once made it is locked in for a century of roads, pipes and buildings. Added up, those decisions determine how many people the next disaster will reach.
This dashboard follows those decisions through the European Commission's Global Human Settlement Layer Urban Centre Database, which traces 11,422 urban centres — every city of at least 50,000 people at the density of a city — from 1975 to 2030, and counts the people living inside river and coastal flood zones, low-elevation coastal land, cyclone wind zones and zones of strong earthquake shaking, alongside each city's climate and the organised violence recorded within it. It asks whether growth has moved towards or away from hazards, how many people now live in cities exposed to several at once, and what that means for the settlement decisions still to come.
The argument in brief
Cities are where the world's population growth is going — two-thirds of growth to 2050, the UN projects — and within cities, growth has leaned towards the floodplain. Since 1975 the urban population inside 100-year river flood zones has tripled while urban population as a whole grew 2.3 times; one new urban resident in six settled in a flood zone, against one in ten at the start. The lean is strongest in East and South-East Asia and in upper-middle-income countries, and reversed in high-income ones. Hazards compound: 55% of urban residents live in cities exposed to at least one major hazard, and one in five in cities exposed to two or more — floods with heat, coasts with cyclones, earthquakes with violence. The envelope is still forming: half of the urban growth still to come will be in places that are not yet built, so the settlement decisions of the next two decades — zoning, infrastructure, drainage, building codes, where public investment leads — are the cheapest moment to keep people out of harm's way or protect them where they settle.
Two cautions matter for reading the numbers. The flood zones come from the Joint Research Centre's global flood hazard maps, which do not account for flood defences, so cities protected by dikes and pumps — Shanghai, Tokyo, Dutch cities — show large exposed populations that face much lower actual risk. And the database counts the population living within today's city boundaries in each earlier year, so it describes how the land that is urban now filled up over time. The method section sets out these and the other choices made.
Section 1 maps the envelope over time. Section 2 tests whether growth leaned into the floodplain, section 3 does the same for coasts, cyclones and earthquakes, and section 4 for heat. Section 5 measures compounding, section 6 looks at the cities born since 2000, section 7 is the night atlas, and section 8 sets out the settlement decisions that reduce risk.
1. The Envelope Over Time
Urban population has grown 2.3 times since 1975; the population inside the flood envelope has grown faster.
The world's urban centres held 1.63 billion people in 1975, 2.70 billion in 2000 and 3.69 billion in 2025, and the database projects 3.85 billion in 2030. The United Nations' 2025 World Urbanization Prospects, now using the same degree-of-urbanisation definition, counts 45% of the world's 8.2 billion people in cities and 33 megacities of 10 million or more, up from 8 in 1975. With world population projected to peak at about 10.3 billion in the 2080s, two-thirds of the growth to 2050 is expected to be urban.
The chart indexes each exposed population to 1975. The population in 100-year river flood zones grew fastest: 170 million in 1975, 338 million in 2000, 507 million in 2025 and 532 million in 2030, a factor of 3.0 to 2025. Population in 100-year coastal flood zones grew 2.5 times, to 106 million, and in the low-elevation coastal zone below 10 metres 2.4 times, to 349 million. Population in cyclone-wind zones and in zones of strong earthquake shaking grew more slowly than the urban total — by 2.0 and 1.9 times — to 169 and 227 million.
The hottest cities grew fastest of all. Cities with a mean annual temperature of 27 °C or more held 136 million people in 1975 and 413 million in 2025, three times as many. Warming moves that line: on the database's projected 2030 climate under a middle-of-the-road scenario, the population of cities above it roughly doubles again, to about 0.8 billion, though part of that jump reflects the switch from observed to modelled temperatures.
Who settled inside the envelope
Heat line: cities with mean annual temperature ≥ 27 °C (observed 2010 climate to 2025; projected SSP2-4.5 climate for 2030). River and coastal flood zones are undefended 100-year hazard zones.
2. Into the Floodplain
One new city dweller in six settled in a river flood zone — and in Asia's fastest-growing economies, one in four.
A simple test asks whether new urban residents settled in hazard zones more or less often than existing ones. The growth bias divides the share of population growth that occurred inside a zone by the zone's share of population at the start. A value of 1 means growth was neutral; above 1, it leaned towards the hazard. For river flood zones the value since 1975 is 1.56: 16.4% of the 2.06 billion people added to urban centres settled in a 100-year flood zone, against a starting share of 10.5%. Since 2000 the lean has eased slightly, to 1.37, but it persists.
The lean is strongest where growth was fastest and land was flattest. In East and South-East Asia, 24.6% of urban growth since 1975 settled in flood zones, against a starting share of 13.7% — a bias of 1.8. In Central and Southern Asia the bias is 1.48, in Northern Africa and Western Asia 1.34 and in sub-Saharan Africa 1.30; in Latin America (0.96) and North America (0.80) growth moved away from the floodplain. By income, the bias is 2.0 in upper-middle-income countries, led by China's coastal and river-delta cities, 1.36 in lower-middle-income and about 1.0 in low-income countries, and 0.77 in high-income ones.
These results echo the global study by Rentschler and colleagues, which found that settlements in the most hazardous flood zones expanded by 122% between 1985 and 2015, against 85% for all settlements, with the fastest growth in East Asia and 81% of new high-risk settlements in middle-income countries. Among the 439 cities of over a million people that added at least 200,000 residents since 2000, 44 put the majority of that growth in flood zones — including Shanghai, Bangkok, Suzhou and Baghdad. Remember that these are undefended zones: Shanghai's 25 million exposed residents sit behind extensive defences, while many smaller cities have none.
Did growth lean into the hazard?
Where the lean is strongest
The largest flood-zone populations
| City | Country | Population 2025 | In flood zone | Share | Flood-zone population, 2000 → 2025 |
|---|
3. Coasts, Storms and Faults
Growth was roughly neutral towards coasts and leaned away from cyclones and earthquakes — but the absolute numbers keep rising.
Low-lying coasts attracted growth roughly in proportion to their starting share. The urban population of the low-elevation coastal zone below 10 metres rose from 147 to 349 million between 1975 and 2025 — a growth bias of 1.08, or 0.96 since 2000. Coastal flood zones leaned slightly more (1.18), most sharply in Northern Africa and Western Asia, where the bias is 2.7, and in Europe (2.5) and Central and Southern Asia (1.6). Sea-level rise will enlarge these zones over the century, so the population already settled there is exposed to a moving boundary.
Cyclone wind zones and zones of strong earthquake shaking grew more slowly than the urban total, with biases of 0.79 and 0.75. That reflects geography more than caution: much of the century's urban growth has been in South Asia and Africa, away from the cyclone tracks of the western Pacific and the seismic belts of East Asia and the Americas. In Central and Southern Asia, where growth did reach a cyclone-exposed coast — Karachi above all — the cyclone bias is 1.8.
Still, 169 million urban residents live where cyclone winds are expected at least once a century, and 227 million where shaking strong enough to damage ordinary buildings is expected. These hazards are rare in any one year and catastrophic when they strike, which makes them the ones most easily forgotten in everyday settlement decisions — and the ones where building codes and enforcement do the most good.
4. The Heat Line
The hottest cities are growing fastest, and warming moves the line towards them.
Heat is the one hazard that every resident of a city shares. The database records each city's mean annual temperature from reanalysis data and a projection for 2030. Using 27 °C as a threshold — warmer than all but the hottest places in South Asia, the Sahel, the Gulf and mainland South-East Asia — the population of such cities tripled between 1975 and 2025, from 136 to 413 million, while urban population as a whole rose 2.3 times.
Low-income countries carry the largest share: 23% of their urban residents live in cities above the line, against 16% in lower-middle-income, 7% in upper-middle-income and 5% in high-income countries. Among cities born since 2000, 23% of residents live above it, against 20% in older cities. On the database's projected 2030 climate, the population of cities above 27 °C roughly doubles to about 0.8 billion, and the share of days that are unusually hot, by the standard of 1961–1990, rises from a median of 19% to 28%.
Heat compounds other hazards. Of the 413 million people in the hottest cities, 160 million also live in cities with large flood-zone populations and 79 million in cities with high levels of organised violence. Companion reports in this series follow heat stress in detail; here the point is spatial: the cities adding people fastest are, on average, among the hottest, so heat-resilient urban design — shade, ventilation, cool materials, green and blue space, and cooling for the most vulnerable — is a settlement decision too.
Share of urban residents under each hazard, by income group
Flags: river flood = ≥ 10% of residents in the 100-year zone; coast = ≥ 10% in the 100-year coastal flood zone or ≥ 50% below 10 m; cyclone = ≥ 50% in the 100-year wind zone; earthquake = ≥ 50% in shaking of MMI VIII or more; heat = mean annual temperature ≥ 27 °C; violence = ≥ 10 events of organised violence and ≥ 25 per million residents (2015 and 2020).
5. Compounding
One urban resident in five lives in a city exposed to two or more major hazards.
Counting the six flags for each city shows how hazards stack. In 2025, 1.67 billion urban residents (45%) lived in cities with none of them, 1.27 billion with one, 591 million with two, 142 million with three and 13 million with four or more. The share in cities with at least one rose from 47% in 1975 to 55% in 2025, and the share with two or more from 17% to 20%; on the projected 2030 climate, it reaches 23%, or about 0.9 billion people. Of the 2.06 billion people added to urban centres between 1975 and 2025, 61% settled in cities with at least one major hazard.
The commonest pairing is river flooding with coastal exposure — 322 million people live in cities with both, in the great deltas from the Nile to the Mekong and the Pearl. Floods combine with heat for 160 million, with organised violence for 133 million, and with cyclones for 79 million. Cyclones and violence coincide for 67 million, mostly in Manila and Karachi. The most multi-exposed large cities include Yangon (flood, coast, heat and violence), Tokyo and Nagoya (flood, coast and earthquake), Manila (flood, cyclone and violence), Basra, N'Djamena and Mandalay (flood, heat and violence) and Port-au-Prince (cyclone, earthquake and violence).
Compounding matters because the hazards interact and because the same city budget, the same drainage and the same hospitals must cope with all of them. A flood in a city already under heat stress and insecurity is harder to respond to and slower to recover from. And violence is a settlement driver in its own right: displacement by conflict pushes people into the cheapest, most exposed land at the urban edge, where planning is weakest.
People by number of hazards
Which hazards travel together
The most multi-exposed large cities
| City | Country | Population 2025 | Hazards |
|---|
6. Cities Born Since 2000
Nearly 4,000 settlements became cities this century; their choices of site are still being made.
The database records the year each urban centre first reached city density and size. Of the 11,422 centres in 2025, 3,911 crossed the threshold after 2000 — 1,076 in Central and Southern Asia, 861 in sub-Saharan Africa, 689 in East and South-East Asia, 497 in Northern Africa and Western Asia and 413 in Latin America — and they are home to 340 million people. Many are former towns and large villages in the densely settled plains of South Asia and the Nile, and fast-growing market towns across Africa.
These new cities are slightly more exposed to river flooding and heat than older ones — 15.1% of their residents live in flood zones against 13.6% in older cities, and 22.6% live above the 27 °C line against 19.7% — but less exposed to coasts, cyclones and earthquakes, and markedly less likely to stack two or more hazards (14% against 21%), because they are mostly inland and in regions with fewer coastal and seismic hazards.
New cities are where settlement decisions are cheapest to change. Their street grids, drainage and land markets are still forming; their flood plains are often not yet built on; their municipal institutions are being created. Planning that reserves floodplains for parks and agriculture, guides growth to safer, higher ground with trunk infrastructure, and sets building and drainage standards before the buildings go up costs a fraction of retrofitting or relocating later.
New cities against old
Where urban growth is going
7. The Night Atlas
2,457 urban centres, sized by population in the year you choose and coloured by the measure you choose.
The atlas shows every urban centre with at least 300,000 people in 2025, plus smaller ones exposed to two or more hazards. Choose the year to size the points by population in 1975, 2000, 2025 or 2030 and watch the constellations of South Asia, eastern China, the Nile and West Africa brighten.
The default colour is the number of major hazards; the alternatives show the share of residents in river flood zones, how much of each city's growth since 2000 went into the flood zone, the decade in which it became a city, and its mean annual temperature in 2030.
Hover over or tap a city to see its card: population over time, the people in its flood zone, its exposure to coastal flooding, low elevation, cyclone wind and earthquake shaking, its temperature and whether it is flagged for violence.
City
Hover or tap a city
8. Settlement Decisions That Reduce Risk
The envelope is not fixed: where cities grow, and how, is a choice made every year.
The first lever is where growth goes. Risk-informed land-use plans and zoning that keep the most hazardous land — active floodplains, low coastal land, unstable slopes — for parks, agriculture and wetlands, and that steer growth to safer ground by building roads, water and transit there first, change settlement patterns at almost no cost. The flip side is making safe land affordable: much hazardous settlement is informal, driven by people who cannot afford anywhere else, so serviced land and housing finance on safer ground are risk-reduction tools.
The second is how cities are built where they already are. Most of the 507 million urban residents in flood zones will not move. For them, drainage designed for heavier rain, flood defences sized to growing cities, building codes and elevated ground floors, early warning, and room for rivers to spread safely reduce risk. Building codes enforced on new construction are the main defence against earthquake shaking and cyclone wind, and shade, ventilation, cool materials and green space against heat.
The third is information and incentives. Flood and heat maps published at the scale of neighbourhoods, disclosure of hazard to buyers and renters, insurance priced to risk where markets exist, and public investment that does not subsidise new building in hazard zones all shift private decisions. Where risk is already intolerable and rising, voluntary, well-supported relocation is an option of last resort. And because most of the urban growth still to come will be in South Asia and sub-Saharan Africa, where cities are growing fastest and planning capacity is thinnest, finance and technical support for municipal planning are among the highest-return investments in adaptation.
Where
Plan the floodplain before it fills
One new urban resident in six settled in a flood zone since 1975; zoning and trunk infrastructure on safer ground change that at little cost.
Land
Make safe land affordable
Serviced land and housing finance on safer ground keep the poorest from being pushed to the riskiest edges.
How
Build for the hazard
Drainage for heavier rain, elevated ground floors, enforced seismic and wind codes for the nearly 400 million in cyclone and quake zones.
Heat
Design cool cities
Shade, ventilation, cool materials and green-blue space for the 413 million in the hottest cities — and the new ones being laid out now.
Compounding
Plan for several hazards at once
746 million people live in cities with two or more major hazards; one plan, one budget, one emergency system must cover them all.
Capacity
Fund the planners
Sub-Saharan Africa's urban population grew 4.4 times since 1975; municipal planning finance is adaptation finance.
9. Method
Data, definitions and caveats.
Data: GHSL Urban Centre Database R2024A (European Commission Joint Research Centre), thematic tables for general characteristics, GHSL population (GHS-POP R2023A, 1975–2030 in five-year epochs), exposure, climate, hazard-risk and socioeconomic indicators, for 11,422 urban centres defined by the degree of urbanisation within their 2025 boundaries. Exposure: population in the 10- and 100-year river flood zones (JRC/CEMS global flood hazard maps, undefended), in 20- and 100-year coastal flood zones (Vousdoukas et al.), below 5 and 10 m in the low-elevation coastal zone (CIESIN LECZ v3), in 100-year tropical-cyclone wind zones (STORM, categories 1–2), and in zones of MMI VIII or more shaking (GEM global seismic hazard map 2023.1). Climate: mean annual temperature (reanalysis, 2010 decade; SSP2-4.5 projection, 2030). Violence: battles, explosions and violence against civilians recorded within each centre in 2015 and 2020.
Growth bias = (Δ population in zone ÷ Δ total population) ÷ (zone population ÷ total population at the start). City flags as defined under section 4; hazard counts use each epoch's population shares, observed climate to 2025 and projected climate for 2030. New cities: year of birth (first epoch meeting the urban-centre criteria) of 2000 or later. Regions are UN SDG regions and income groups the World Bank's, as assigned in the database. City points: centres of ≥ 300,000 people in 2025, plus those of ≥ 100,000 with two or more hazards.
Caveats: flood zones ignore defences; all populations are counted within 2025 boundaries; the 2030 epoch is a projection; the 2030 temperatures come from a different source from the observed baseline, so part of the change in the heat line is methodological; the violence measure includes criminal and state violence and depends on reporting; and flags based on thresholds simplify continuous risks. Related reports: The Geography of Human Vulnerability Through 2100, Human Exposure to the Global Polycrisis, 2025–2100 and The Global Water Polycrisis.
Sources
Data and literature consulted in October 2026.
- European Commission JRCGHSL Urban Centre Database R2024A: general characteristics, GHSL, exposure, climate, hazard-risk and socioeconomic themes.
- European Commission JRCGHS-POP R2023A population grid, 1975–2030.
- NatureRentschler et al. (2023), Global evidence of rapid urban growth in flood zones since 1985; authors' summary (VoxDev).
- United NationsWorld Urbanization Prospects 2025: cities are home to 45 per cent of the global population.
- United NationsWorld Population Prospects 2024.
- Nature CommunicationsVousdoukas et al. (2018), Global probabilistic projections of extreme sea levels.
- Scientific DataBloemendaal et al. (2020), STORM synthetic tropical cyclone hazard dataset.
- GEM FoundationGlobal Seismic Hazard Map 2023.1.
- CIESINLow Elevation Coastal Zone v3.
- Natural Earth / world-atlasworld-atlas 2.0.2.
Metadata
- Keywords
- urbanisationpopulation growthsettlement patternsflood exposurecoastal floodinglow-elevation coastal zonetropical cyclonesearthquakesurban heatcompound hazardsland-use planningGHSLUrban Centre Databasedashboard
- JEL classification
- R11, R14, Q54, J11, O18 — regional growth; land use and urban patterns; natural disasters and climate; demographic trends; urban development
- Data and method
- GHSL Urban Centre Database R2024A (European Commission JRC): 11,422 urban centres within 2025 boundaries; population by five-year epoch 1975–2030 (GHS-POP R2023A); population in undefended 100-year river flood zones (JRC/CEMS), 100-year coastal flood zones (Vousdoukas et al.), the low-elevation coastal zone below 10 m (CIESIN LECZ v3), 100-year cyclone-wind zones (STORM, categories 1–2) and MMI VIII+ shaking (GEM 2023.1); mean annual temperature (reanalysis 2010; SSP2-4.5 projection 2030); organised violence (battles, explosions, violence against civilians, 2015 and 2020). Growth bias = (Δ zone population ÷ Δ total population) ÷ starting zone share. City flags: river flood ≥ 10% of residents; coast ≥ 10% in coastal flood zone or ≥ 50% below 10 m; cyclone ≥ 50%; earthquake ≥ 50%; heat ≥ 27 °C; violence ≥ 10 events and ≥ 25 per million. New cities: year of birth ≥ 2000. Flood zones ignore defences; populations are counted within 2025 boundaries; 2030 is projected; the 2030 temperature source differs from the observed baseline.
- Report
- H Heuristics Digital Report № 2026-52 · Published 21 October 2026
- Licence
- CC BY-NC-ND 4.0
- Cite as
- Hunter Hughes (2026). Demographic Growth Inside the Global Risk Envelope: Population expansion, settlement decisions, and exposure to compounding hazards. H Heuristics Digital Report 2026-52. https://digitalreports.hheuristics.com/reports/settlement-risk-envelope/