Which risk category affects only individuals and not entire communities?

Particular risk is a category that specifically impacts individuals rather than entire communities. This type of risk usually stems from personal circumstances or actions that can lead to a loss or adverse event that affects only one person or entity, such as the theft of a personal item or damage to an individual's vehicle. Because these risks are so individualized, they don't typically have the broader implications that can affect whole communities, which is a hallmark of other risk categories.

In contrast, pure risk pertains to situations that can only result in a loss or no loss, such as natural disasters or accidents that may affect many people within a community. Fundamental risk involves risks that are systemic and can impact entire populations, such as economic downturns or widespread pandemics. Enterprise risk refers to risks that organizations face that might affect their operations, including strategic, financial, and reputational risks.

Particular risk, therefore, solely influences the individual, making it distinct from these other categories that have wider social or organizational implications.