Hazard is something that can cause harm, e.g. electricity, chemicals, travelling on a boat in high wind condition, noise, an intoxicated person on the street, stress, etc.
A risk is the chance, high or low, that any hazard will actually cause harm to somebody.
For example, traveling home on an overloaded dinghy can be a hazard. The risk of personal danger may be high. Over-loaded boats with no life jackets is a hazard. If the wind condition changes and creates high waves, the waves can place the boat and your life in a ‘high-risk’ category.
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