Natural Disasters

A Natural Disaster is a great force that causes widespread ruin and devastation. There are many different kinds of Natural Disasters including tornados, hurricanes, volcanoes, tsunamis, forest fires, high magnitude earthquakes, massive magical explosions, etc. The exact effects of a Natural Disaster are left up to the GM, but most cause structural damage to all buildings and other structures in the area over a duration. Additionally, Natural Disasters are Ranked from 1 to 10, indicating a general level of destruction, with 10 being a total annihilation of everything in the disaster area.

If the natural disaster occurs in a populated area, a Fatality Percentage equal to 10 times the rank of disaster, indicates the percentage of the population killed throughout the duration (via the natural disaster itself, or from secondary effects such as fires, collapsing buildings, etc). An equal percentage of the surviving population suffers minor, moderate, or severe injuries (evenly distributed). It is possible to mitigate the deaths and injuries by well-executed evacuations and proper shelter. Buildings that are not destroyed by the structural damage count as proper shelter.

When PCs and NPCs are caught in the area of a natural disaster, they may be able to escape the area (or take shelter) if time permits via any means normally available to the character. Long duration disasters are the easiest to escape from, as given enough time, the character could simply walk out of the area. Fast duration disasters are harder to escape from. If a character is unable to escape the effects of the natural Disaster (or protect themselves from it in some way), there is a chance that they are injured or killed. Roll percentile and add the character's level, then compare it to the Fatality Percentage. If the result is less than or equal to the Fatality Percentage, the character is killed (but may be able to survive, see below). If the character is not killed, make the check a second time. If the result is less than or equal to the Fatality Percentage, the character automatically takes 1d3 injuries.

If a character has Karma, they may spend it to avoid being killed or injured by the natural Disaster. If a character would normally be killed, they instead suffer 1d3 injuries. If the character would have taken injuries, they do not take the injuries.