Natural and man-made disasters are major causes of poverty and vulnerability in the country. An average of 20 typhoons visit the country a year, owing to climate change the effects have become more devastating. The most vulnerable areas of the country are Eastern Visayas, and Southern, Central and Northern Luzon. Victims of disasters, mostly from typhoons and floods, doubled from an average of four million in 1994-1996 to eight million in 2004-2006, most of them in rural areas (ADB, 2007).