Which of the following refers to the risks associated with natural disasters in property insurance?

The term that refers to the risks associated with natural disasters in property insurance is "Acts of God." This phrase is commonly used in insurance policies to denote events that are beyond human control, such as hurricanes, earthquakes, floods, and other natural disasters. These events are unpredictable and typically fall under the category of perils covered by property insurance, assuming the policyholder has the appropriate coverage.

In contrast to this term, man-made risks refer to risks that arise from human actions, such as vandalism or theft. Environmental risks are broader and can include issues affecting the environment but are not solely focused on natural disasters. Commercial risks pertain to risks associated with business operations, such as liability or loss of income, which do not directly relate to natural disasters affecting property. Understanding these distinctions is crucial for interpreting insurance coverage accurately.