Which type of risk only impacts the individual rather than the community?

Particular risk is defined as a type of risk that affects only a specific individual or entity rather than impacting a larger community or society as a whole. This kind of risk arises from events or circumstances that can be isolated to an individual, such as theft of personal property, a car accident, or damage to a personal item. These risks are usually manageable and can often be mitigated through personal insurance.

In contrast, static risks are those that are more predictable and not influenced by market changes, while dynamic risks are affected by changes in the economy or society, thus potentially impacting broader groups. Fundamental risks, on the other hand, are those that can affect large groups or the entire society, such as natural disasters or economic recessions. Therefore, the defining characteristic of particular risk as impacting only the individual supports its identification as the correct answer.