Use when a user wants the natural-hazard / disaster risk for a lat/lon — flood, wildfire, hurricane, earthquake, heat, drought, tornado, etc. Grounded in the FEMA National Risk Index (NRI), the authoritative US county-level hazard dataset (live query, never estimated; points outside US NRI coverage return coverage=unavailable). Example: get_disaster_risk lat=33.45 lon=-112.07. Returns {disaster_risk:{composite_score (0-100, higher=worse), rating (Very Low..Very High), national_percentile}, hazards:{Wildfire, Hurricane, Earthquake, Heat Wave, ...: rating}, top_hazards:[{hazard, rating}], coverage (validated|unavailable), source, caveats}. County-level resolution. For chronic water stress use get_water_risk; for one blended site verdict use get_composite_site_score.
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